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.
The biggest quarter-over-quarter change on this page was a small one: Core deposits to total deposits edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 91.91%. The Peoples Bank has the highest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, 111.06% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank sits 30.22 points higher, at 111.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.2M |
| Fed funds sold and reverse repos | $12.5M |
| Fed funds sold and reverse repos to assets | 6.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.06% |
| Net loans and leases to deposits | 109.18% |
| Loans and leases to core deposits | 117.99% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 2.22% |
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 | 110.96% | 80.11% | $0 | $41.8M |
| Q4 2023 | 112.20% | 82.94% | $0 | $41.6M |
| Q1 2024 | 108.73% | 83.47% | $0 | $40.3M |
| Q2 2024 | 108.68% | 85.71% | $0 | $40.0M |
| Q3 2024 | 106.89% | 86.30% | $0 | $38.3M |
| Q4 2024 | 110.48% | 87.56% | $0 | $37.0M |
| Q1 2025 | 103.05% | 87.73% | $0 | $31.7M |
| Q2 2025 | 113.44% | 90.27% | $0 | $31.4M |
| Q3 2025 | 113.98% | 90.84% | $0 | $31.1M |
| Q4 2025 | 113.00% | 91.39% | $0 | $30.8M |
| Q1 2026 | 111.18% | 92.09% | $0 | $30.4M |
| Q2 2026 | 111.06% | 91.91% | $0 | $30.1M |
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 12531) · FFIEC NIC profile (RSSD 712648)