Peoples Bank of the South: 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: 3.81 percentage points higher than in Q1 2026, at 125.20%. Among 109 Tennessee banks, Peoples Bank of the South sits 6th from the top on loan-to-deposit ratio, 105.22% as of Q2 2026. Peoples Bank of the South reported 105.22% on loan-to-deposit ratio for Q2 2026, 24.39 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 | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.9M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.22% |
| Net loans and leases to deposits | 104.17% |
| Loans and leases to core deposits | 125.20% |
| Core deposits to total deposits | 84.05% |
| 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 | 99.52% | 92.42% | $0 | $17.5M |
| Q4 2023 | 101.02% | 92.26% | $0 | $17.3M |
| Q1 2024 | 101.52% | 91.10% | $0 | $17.2M |
| Q2 2024 | 100.00% | 86.33% | $0 | $17.5M |
| Q3 2024 | 101.10% | 86.31% | $0 | $15.4M |
| Q4 2024 | 98.14% | 86.25% | $0 | $15.2M |
| Q1 2025 | 96.00% | 83.34% | $0 | $15.1M |
| Q2 2025 | 97.85% | 86.85% | $0 | $11.0M |
| Q3 2025 | 100.50% | 85.98% | $0 | $9.0M |
| Q4 2025 | 105.67% | 85.17% | $0 | $15.0M |
| Q1 2026 | 102.28% | 84.26% | $0 | $13.5M |
| Q2 2026 | 105.22% | 84.05% | $0 | $13.0M |
Peoples Bank of the South 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 the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4945) · FFIEC NIC profile (RSSD 277736)