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.
Cash and balances due from depository institutions dropped 35.7% in Q2 2026, from $49.7M to $31.9M. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank ranks 152nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 54.84% (Q2 2026). The Peoples Bank reported 54.84% on loan-to-deposit ratio for Q2 2026, 26.00 points below 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 | $31.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $242.4M |
| 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 | 54.84% |
| Net loans and leases to deposits | 53.94% |
| Loans and leases to core deposits | 68.98% |
| Core deposits to total deposits | 79.50% |
| Brokered deposits to total deposits | 5.89% |
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 | 54.25% | 84.83% | $0 | $16.3M |
| Q4 2023 | 53.60% | 86.23% | $0 | $5.9M |
| Q1 2024 | 54.44% | 85.02% | $0 | $37.0M |
| Q2 2024 | 56.52% | 84.16% | $0 | $37.0M |
| Q3 2024 | 57.96% | 83.33% | $0 | $37.0M |
| Q4 2024 | 58.99% | 82.70% | $0 | $30.0M |
| Q1 2025 | 53.55% | 81.03% | $0 | $9.4M |
| Q2 2025 | 52.81% | 79.71% | $0 | $0 |
| Q3 2025 | 51.82% | 79.83% | $0 | $0 |
| Q4 2025 | 52.10% | 80.17% | $0 | $0 |
| Q1 2026 | 52.50% | 79.12% | $0 | $0 |
| Q2 2026 | 54.84% | 79.50% | $0 | $0 |
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 1147) · FFIEC NIC profile (RSSD 530655)