Peoples Bank of Alabama: 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.
Compared with Q1 2026, Fed funds sold and reverse repos rose 5.6% in Q2 2026 to $25.0M, the biggest move on this page. Peoples Bank of Alabama ranks 40th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 72.64% (Q2 2026). Peoples Bank of Alabama reported 72.64% on loan-to-deposit ratio for Q2 2026, 15.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $207.9M |
| Cash and noninterest-bearing balances to assets | 14.59% |
| Cash and securities | $423.4M |
| Fed funds sold and reverse repos | $25.0M |
| Fed funds sold and reverse repos to assets | 1.75% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.64% |
| Net loans and leases to deposits | 71.46% |
| Loans and leases to core deposits | 77.67% |
| Core deposits to total deposits | 93.52% |
| Brokered deposits to total deposits | 0.00% |
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 | 71.21% | 95.30% | $0 | $86K |
| Q4 2023 | 73.99% | 93.39% | $0 | $78K |
| Q1 2024 | 73.01% | 93.92% | $0 | $71K |
| Q2 2024 | 70.83% | 93.65% | $0 | $62K |
| Q3 2024 | 71.03% | 93.65% | $0 | $54K |
| Q4 2024 | 71.75% | 93.75% | $0 | $46K |
| Q1 2025 | 68.29% | 93.59% | $0 | $38K |
| Q2 2025 | 68.39% | 93.72% | $0 | $30K |
| Q3 2025 | 69.78% | 93.33% | $0 | $21K |
| Q4 2025 | 72.20% | 93.30% | $0 | $12K |
| Q1 2026 | 72.17% | 93.59% | $0 | $3K |
| Q2 2026 | 72.64% | 93.52% | $0 | $0 |
Peoples Bank of Alabama liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22537) · FFIEC NIC profile (RSSD 60330)