Peoples Bank of Macon: 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.
Loans and leases to core deposits climbed 4.35 percentage points in Q2 2026, from 33.03% to 37.38%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank of Macon has the 9th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 33.11% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Peoples Bank of Macon reported 33.11% on loan-to-deposit ratio in Q2 2026, 34.52 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.0M |
| 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 | 33.11% |
| Net loans and leases to deposits | 32.72% |
| Loans and leases to core deposits | 37.38% |
| Core deposits to total deposits | 88.57% |
| 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 | 26.31% | 94.00% | $634K | $0 |
| Q4 2023 | 28.37% | 94.05% | $636K | $0 |
| Q1 2024 | 31.04% | 93.62% | $640K | $0 |
| Q2 2024 | 28.01% | 93.64% | $643K | $0 |
| Q3 2024 | 26.83% | 93.07% | $648K | $0 |
| Q4 2024 | 28.58% | 91.97% | $651K | $0 |
| Q1 2025 | 30.24% | 91.85% | $223K | $0 |
| Q2 2025 | 32.88% | 91.72% | $224K | $0 |
| Q3 2025 | 30.04% | 92.20% | $197K | $0 |
| Q4 2025 | 29.51% | 92.02% | $198K | $0 |
| Q1 2026 | 29.42% | 89.08% | $0 | $0 |
| Q2 2026 | 33.11% | 88.57% | $0 | $0 |
Peoples Bank of Macon 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 Macon, 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 Macon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19105) · FFIEC NIC profile (RSSD 418436)