The Peoples Bank of Georgia: 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 Loans and leases to core deposits: 9.32 percentage points higher than in Q1 2026, at 109.72%. The Peoples Bank of Georgia ranks 15th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 95.24% (Q2 2026). The Peoples Bank of Georgia reported 95.24% on loan-to-deposit ratio for Q2 2026, 14.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.0M |
| Fed funds sold and reverse repos | $50K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| 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 | 95.24% |
| Net loans and leases to deposits | 94.31% |
| Loans and leases to core deposits | 109.72% |
| Core deposits to total deposits | 86.80% |
| 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 | 92.11% | 91.82% | $0 | $6.0M |
| Q4 2023 | 91.76% | 92.43% | $0 | $0 |
| Q1 2024 | 86.74% | 92.70% | $0 | $0 |
| Q2 2024 | 89.90% | 93.24% | $0 | $4.0M |
| Q3 2024 | 90.09% | 91.29% | $0 | $0 |
| Q4 2024 | 87.38% | 88.04% | $0 | $0 |
| Q1 2025 | 88.80% | 88.89% | $0 | $0 |
| Q2 2025 | 90.67% | 87.99% | $0 | $0 |
| Q3 2025 | 87.91% | 87.88% | $0 | $0 |
| Q4 2025 | 87.55% | 88.39% | $0 | $0 |
| Q1 2026 | 88.13% | 87.77% | $0 | $0 |
| Q2 2026 | 95.24% | 86.80% | $0 | $10.0M |
The Peoples Bank of Georgia 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 of Georgia, 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 of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 170) · FFIEC NIC profile (RSSD 272030)