Peoples Bank Co.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos to assets climbed 4.36 percentage points in Q2 2026, from 0.00% to 4.36%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank Co. ranks 118th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 79.45% (Q2 2026). At 79.45%, Peoples Bank Co.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.7M |
| Fed funds sold and reverse repos | $6.4M |
| Fed funds sold and reverse repos to assets | 4.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.45% |
| Net loans and leases to deposits | 78.61% |
| Loans and leases to core deposits | 83.87% |
| Core deposits to total deposits | 86.66% |
| Brokered deposits to total deposits | 8.06% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 84.70% | 98.03% | $160K | $6.2M |
| Q4 2023 | 86.50% | 98.46% | $1.2M | $11.3M |
| Q1 2024 | 84.53% | 98.52% | $0 | $13.3M |
| Q2 2024 | 85.72% | 98.53% | $0 | $13.3M |
| Q3 2024 | 90.27% | 97.54% | $0 | $10.0M |
| Q4 2024 | 90.73% | 97.21% | $0 | $10.0M |
| Q1 2025 | 85.91% | 89.69% | $0 | $10.0M |
| Q2 2025 | 81.84% | 89.02% | $0 | $10.0M |
| Q3 2025 | 77.30% | 84.51% | $0 | $10.0M |
| Q4 2025 | 87.05% | 85.07% | $0 | $10.0M |
| Q1 2026 | 77.84% | 86.42% | $0 | $10.0M |
| Q2 2026 | 79.45% | 86.66% | $0 | $10.0M |
Peoples Bank Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Co., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12226) · FFIEC NIC profile (RSSD 941541)