The 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.
Other borrowed money climbed 78.9% in Q2 2026, from $19.0M to $34.0M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Bank Co. is 134th of 156 on loan-to-deposit ratio, 62.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank Co. sits 18.53 points lower, at 62.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $368.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $34.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.31% |
| Net loans and leases to deposits | 61.49% |
| Loans and leases to core deposits | 66.46% |
| Core deposits to total deposits | 90.44% |
| Brokered deposits to total deposits | 3.31% |
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 | 56.28% | 91.14% | $0 | $42.0M |
| Q4 2023 | 58.14% | 89.42% | $0 | $42.0M |
| Q1 2024 | 59.02% | 86.50% | $0 | $34.0M |
| Q2 2024 | 54.26% | 88.58% | $0 | $19.0M |
| Q3 2024 | 53.91% | 88.73% | $0 | $19.0M |
| Q4 2024 | 57.12% | 90.10% | $0 | $19.0M |
| Q1 2025 | 56.60% | 90.11% | $0 | $19.0M |
| Q2 2025 | 57.65% | 90.78% | $0 | $19.0M |
| Q3 2025 | 58.91% | 90.52% | $0 | $19.0M |
| Q4 2025 | 60.15% | 90.35% | $0 | $19.0M |
| Q1 2026 | 59.33% | 90.69% | $0 | $19.0M |
| Q2 2026 | 62.31% | 90.44% | $0 | $34.0M |
The 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 The 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 The Peoples Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13220) · FFIEC NIC profile (RSSD 702911)