Peoples Bank of Kentucky, Inc.: 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 purchased and repos: 18.6% higher than in Q1 2026, at $9.4M. Within Kentucky, Peoples Bank of Kentucky, Inc. is 66th of 120 on loan-to-deposit ratio, 81.07% 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 Kentucky, Inc. reported 81.07% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $154.1M |
| Fed funds sold and reverse repos | $500K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $9.4M |
| 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 | 81.07% |
| Net loans and leases to deposits | 78.45% |
| Loans and leases to core deposits | 89.93% |
| Core deposits to total deposits | 90.14% |
| 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 | 92.20% | 91.78% | $19.3M | $10.0M |
| Q4 2023 | 90.87% | 90.16% | $20.1M | $0 |
| Q1 2024 | 90.27% | 90.52% | $18.2M | $4.0M |
| Q2 2024 | 89.18% | 91.18% | $9.3M | $10.0M |
| Q3 2024 | 93.31% | 90.32% | $9.1M | $10.0M |
| Q4 2024 | 91.41% | 91.18% | $9.8M | $0 |
| Q1 2025 | 90.90% | 91.35% | $8.4M | $0 |
| Q2 2025 | 90.60% | 91.79% | $8.4M | $0 |
| Q3 2025 | 90.00% | 91.55% | $10.0M | $0 |
| Q4 2025 | 87.55% | 90.63% | $9.4M | $0 |
| Q1 2026 | 82.80% | 90.76% | $7.9M | $0 |
| Q2 2026 | 81.07% | 90.14% | $9.4M | $0 |
Peoples Bank of Kentucky, Inc. 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 Kentucky, Inc., 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 Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16970) · FFIEC NIC profile (RSSD 995517)