Peoples Bank of Deer Lodge: 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 Fed funds sold and reverse repos to assets: 1.30 percentage points lower than in Q1 2026, at 11.51%. Peoples Bank of Deer Lodge ranks 15th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 82.01% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Peoples Bank of Deer Lodge sits 14.38 points higher, at 82.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.4M |
| Fed funds sold and reverse repos | $5.8M |
| Fed funds sold and reverse repos to assets | 11.51% |
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 | 82.01% |
| Net loans and leases to deposits | 81.10% |
| Loans and leases to core deposits | 91.59% |
| Core deposits to total deposits | 89.54% |
| 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 | 85.57% | 92.60% | $0 | $0 |
| Q4 2023 | 82.27% | 97.36% | $0 | $0 |
| Q1 2024 | 91.16% | 94.92% | $0 | $0 |
| Q2 2024 | 91.41% | 95.99% | $0 | $0 |
| Q3 2024 | 86.84% | 95.81% | $0 | $0 |
| Q4 2024 | 78.51% | 97.51% | $0 | $0 |
| Q1 2025 | 89.42% | 96.45% | $0 | $0 |
| Q2 2025 | 92.07% | 95.42% | $0 | $0 |
| Q3 2025 | 79.90% | 91.35% | $0 | $0 |
| Q4 2025 | 74.11% | 91.12% | $0 | $0 |
| Q1 2026 | 82.42% | 90.06% | $0 | $0 |
| Q2 2026 | 82.01% | 89.54% | $0 | $0 |
Peoples Bank of Deer Lodge 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 Deer Lodge, 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 Deer Lodge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26941) · FFIEC NIC profile (RSSD 639857)