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 climbed 49.5% in Q2 2026, from $5.7M to $8.5M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Peoples Bank is 77th of 109 on loan-to-deposit ratio, 75.40% as of Q2 2026, below the middle of the field. The Peoples Bank reported 75.40% on loan-to-deposit ratio for Q2 2026, 5.44 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 | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.9M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 4.54% |
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 | 75.40% |
| Net loans and leases to deposits | 74.84% |
| Loans and leases to core deposits | 83.47% |
| Core deposits to total deposits | 90.33% |
| 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 | 77.18% | 89.02% | $0 | $0 |
| Q4 2023 | 76.68% | 89.11% | $0 | $0 |
| Q1 2024 | 78.39% | 88.72% | $0 | $0 |
| Q2 2024 | 75.33% | 88.03% | $0 | $0 |
| Q3 2024 | 78.98% | 89.46% | $0 | $0 |
| Q4 2024 | 75.95% | 89.16% | $0 | $0 |
| Q1 2025 | 77.07% | 88.72% | $0 | $0 |
| Q2 2025 | 76.88% | 90.91% | $0 | $0 |
| Q3 2025 | 72.59% | 91.20% | $0 | $0 |
| Q4 2025 | 71.74% | 90.49% | $0 | $0 |
| Q1 2026 | 71.16% | 90.63% | $0 | $0 |
| Q2 2026 | 75.40% | 90.33% | $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 6110) · FFIEC NIC profile (RSSD 591357)