Peoples Bank of East Tennessee: 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 dropped 76.4% in Q2 2026, from $1.2M to $295K. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Peoples Bank of East Tennessee is 73rd of 109 on loan-to-deposit ratio, 77.00% 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. Peoples Bank of East Tennessee sits 3.84 points lower, at 77.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.8M |
| Fed funds sold and reverse repos | $295K |
| Fed funds sold and reverse repos to assets | 0.06% |
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 | 77.00% |
| Net loans and leases to deposits | 75.93% |
| Loans and leases to core deposits | 84.97% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 1.22% |
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 | 65.66% | 95.38% | $0 | $0 |
| Q4 2023 | 69.80% | 94.98% | $0 | $0 |
| Q1 2024 | 65.31% | 90.80% | $0 | $0 |
| Q2 2024 | 66.89% | 90.85% | $0 | $0 |
| Q3 2024 | 66.85% | 90.55% | $0 | $0 |
| Q4 2024 | 67.91% | 89.50% | $0 | $0 |
| Q1 2025 | 66.08% | 88.79% | $0 | $0 |
| Q2 2025 | 69.33% | 89.16% | $0 | $0 |
| Q3 2025 | 71.85% | 89.70% | $0 | $0 |
| Q4 2025 | 75.06% | 89.62% | $0 | $0 |
| Q1 2026 | 73.84% | 89.91% | $0 | $0 |
| Q2 2026 | 77.00% | 89.39% | $0 | $0 |
Peoples Bank of East Tennessee 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 East Tennessee, 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 East Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34517) · FFIEC NIC profile (RSSD 2614344)