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 standout move of Q2 2026 was in Core deposits to total deposits: 1.74 percentage points higher than in Q1 2026, at 93.95%. Within Kentucky, The Peoples Bank is 74th of 120 on loan-to-deposit ratio, 78.52% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Peoples Bank reported 78.52% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.0M |
| Fed funds sold and reverse repos | $2K |
| 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 | $241K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.52% |
| Net loans and leases to deposits | 77.44% |
| Loans and leases to core deposits | 83.57% |
| Core deposits to total deposits | 93.95% |
| 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 | 62.95% | 95.58% | $0 | $395K |
| Q4 2023 | 61.03% | 95.57% | $0 | $378K |
| Q1 2024 | 63.17% | 95.06% | $0 | $363K |
| Q2 2024 | 68.34% | 95.15% | $0 | $349K |
| Q3 2024 | 70.40% | 94.21% | $0 | $1.3M |
| Q4 2024 | 64.22% | 94.42% | $0 | $320K |
| Q1 2025 | 68.03% | 93.18% | $0 | $307K |
| Q2 2025 | 73.85% | 92.08% | $0 | $294K |
| Q3 2025 | 76.82% | 91.73% | $0 | $1.8M |
| Q4 2025 | 78.36% | 91.74% | $0 | $1.8M |
| Q1 2026 | 77.52% | 92.22% | $0 | $254K |
| Q2 2026 | 78.52% | 93.95% | $0 | $241K |
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 1566) · FFIEC NIC profile (RSSD 76443)