People's Bank of Commerce: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.02 percentage points higher than in Q1 2026, at 96.96%. Among 12 Oregon banks, People's Bank of Commerce sits 2nd from the top on loan-to-deposit ratio, 96.96% as of Q2 2026. People's Bank of Commerce reported 96.96% on loan-to-deposit ratio for Q2 2026, 16.01 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.5M |
| Cash and noninterest-bearing balances to assets | 2.90% |
| Cash and securities | $118.4M |
| 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 | $23.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.96% |
| Net loans and leases to deposits | 95.91% |
| Loans and leases to core deposits | 97.25% |
| Core deposits to total deposits | 96.12% |
| Brokered deposits to total deposits | 3.58% |
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 | 80.50% | 98.23% | $0 | $57.0M |
| Q4 2023 | 82.76% | 98.22% | $0 | $20.6M |
| Q1 2024 | 86.87% | 98.42% | $0 | $38.5M |
| Q2 2024 | 85.84% | 99.20% | $0 | $21.5M |
| Q3 2024 | 84.06% | 98.92% | $0 | $0 |
| Q4 2024 | 81.71% | 97.26% | $0 | $0 |
| Q1 2025 | 81.42% | 94.94% | $0 | $0 |
| Q2 2025 | 82.60% | 94.32% | $0 | $0 |
| Q3 2025 | 84.00% | 95.14% | $0 | $0 |
| Q4 2025 | 88.00% | 95.29% | $0 | $0 |
| Q1 2026 | 89.94% | 96.28% | $0 | $0 |
| Q2 2026 | 96.96% | 96.12% | $0 | $23.7M |
People's Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank of Commerce, 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 People's Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34685) · FFIEC NIC profile (RSSD 2661861)