People's Bank of Seneca: 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.
Other borrowed money dropped 100.0% in Q2 2026, from $10.5M to $0. It was the largest change from Q1 2026 among the key lines here. People's Bank of Seneca ranks 38th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 96.52% (Q2 2026). People's Bank of Seneca reported 96.52% on loan-to-deposit ratio for Q2 2026, 15.69 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 | $33.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.7M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 1.22% |
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 | 96.52% |
| Net loans and leases to deposits | 95.19% |
| Loans and leases to core deposits | 103.70% |
| Core deposits to total deposits | 88.34% |
| Brokered deposits to total deposits | 21.47% |
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 | 97.97% | 86.15% | $0 | $26.0M |
| Q4 2023 | 96.26% | 83.06% | $0 | $25.0M |
| Q1 2024 | 93.39% | 86.46% | $0 | $24.0M |
| Q2 2024 | 95.38% | 88.64% | $0 | $14.5M |
| Q3 2024 | 94.98% | 90.06% | $0 | $14.5M |
| Q4 2024 | 96.24% | 89.43% | $0 | $12.5M |
| Q1 2025 | 95.47% | 89.99% | $0 | $10.0M |
| Q2 2025 | 94.28% | 89.13% | $0 | $0 |
| Q3 2025 | 96.93% | 90.52% | $0 | $0 |
| Q4 2025 | 100.62% | 89.73% | $0 | $20.5M |
| Q1 2026 | 96.78% | 88.76% | $0 | $10.5M |
| Q2 2026 | 96.52% | 88.34% | $0 | $0 |
People's Bank of Seneca liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank of Seneca, 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 People's Bank of Seneca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34146) · FFIEC NIC profile (RSSD 2396592)