Peoples Bank of Graceville: 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 Cash and balances due from depository institutions: 59.4% lower than in Q1 2026, at $3.0M. Peoples Bank of Graceville has the 8th lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 40.09% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, Peoples Bank of Graceville reported 40.09% on loan-to-deposit ratio in Q2 2026, 40.85 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.3M |
| 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 | $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 | 40.09% |
| Net loans and leases to deposits | 39.74% |
| Loans and leases to core deposits | 46.97% |
| Core deposits to total deposits | 85.35% |
| Brokered deposits to total deposits | 1.88% |
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 | 36.35% | 91.31% | $0 | $0 |
| Q4 2023 | 35.59% | 90.24% | $0 | $0 |
| Q1 2024 | 35.72% | 90.50% | $0 | $0 |
| Q2 2024 | 36.45% | 88.56% | $0 | $0 |
| Q3 2024 | 35.92% | 88.69% | $0 | $0 |
| Q4 2024 | 37.45% | 89.11% | $0 | $500K |
| Q1 2025 | 39.59% | 87.45% | $0 | $2.5M |
| Q2 2025 | 38.49% | 87.65% | $0 | $0 |
| Q3 2025 | 37.44% | 84.92% | $0 | $0 |
| Q4 2025 | 38.90% | 86.17% | $0 | $0 |
| Q1 2026 | 37.79% | 86.66% | $0 | $0 |
| Q2 2026 | 40.09% | 85.35% | $0 | $0 |
Peoples Bank of Graceville 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 Graceville, 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 Graceville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21692) · FFIEC NIC profile (RSSD 717232)