The Peoples Bank: 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 4.82 percentage points in Q2 2026, from 101.32% to 106.14%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Peoples Bank is 31st of 120 on loan-to-deposit ratio, 92.88% as of Q2 2026, above the middle of the field. The Peoples Bank reported 92.88% on loan-to-deposit ratio for Q2 2026, 12.04 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 | $12.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.3M |
| Fed funds sold and reverse repos | $7.9M |
| Fed funds sold and reverse repos to assets | 5.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $171K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.88% |
| Net loans and leases to deposits | 91.49% |
| Loans and leases to core deposits | 106.14% |
| Core deposits to total deposits | 87.51% |
| 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 | 92.68% | 87.74% | $0 | $443K |
| Q4 2023 | 92.50% | 88.04% | $0 | $418K |
| Q1 2024 | 98.05% | 87.91% | $0 | $394K |
| Q2 2024 | 91.86% | 87.06% | $0 | $362K |
| Q3 2024 | 86.71% | 87.20% | $0 | $325K |
| Q4 2024 | 90.88% | 88.87% | $0 | $305K |
| Q1 2025 | 86.19% | 86.09% | $0 | $285K |
| Q2 2025 | 83.47% | 85.92% | $0 | $257K |
| Q3 2025 | 89.71% | 87.95% | $0 | $234K |
| Q4 2025 | 89.07% | 88.35% | $0 | $215K |
| Q1 2026 | 88.44% | 87.29% | $0 | $195K |
| Q2 2026 | 92.88% | 87.51% | $0 | $171K |
The Peoples Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, 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 The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16603) · FFIEC NIC profile (RSSD 446149)