Peoples Bank & Trust: 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 Loans and leases to core deposits: 9.86 percentage points higher than in Q1 2026, at 75.15%. Peoples Bank & Trust ranks 97th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 58.53% (Q2 2026). Peoples Bank & Trust reported 58.53% on loan-to-deposit ratio for Q2 2026, 22.31 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 | $41.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $245.6M |
| 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 | 58.53% |
| Net loans and leases to deposits | 57.93% |
| Loans and leases to core deposits | 75.15% |
| Core deposits to total deposits | 77.89% |
| 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 | 38.74% | 73.69% | $0 | $10.0M |
| Q4 2023 | 39.50% | 76.28% | $0 | $0 |
| Q1 2024 | 41.23% | 75.03% | $0 | $5.0M |
| Q2 2024 | 44.28% | 76.71% | $0 | $0 |
| Q3 2024 | 51.64% | 78.78% | $0 | $0 |
| Q4 2024 | 53.94% | 81.62% | $0 | $0 |
| Q1 2025 | 48.59% | 81.97% | $0 | $0 |
| Q2 2025 | 48.92% | 78.30% | $0 | $0 |
| Q3 2025 | 48.87% | 77.98% | $0 | $0 |
| Q4 2025 | 52.48% | 78.44% | $0 | $0 |
| Q1 2026 | 51.80% | 79.35% | $0 | $0 |
| Q2 2026 | 58.53% | 77.89% | $0 | $0 |
Peoples Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust, 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 Peoples Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25795) · FFIEC NIC profile (RSSD 109136)