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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within Illinois, Peoples Bank & Trust is 118th of 323 on loan-to-deposit ratio, 80.94% as of Q2 2026, above the middle of the field. At 80.94%, Peoples Bank & Trust's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $198.9M |
| 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 | $49.4M |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.94% |
| Net loans and leases to deposits | 80.17% |
| Loans and leases to core deposits | 82.89% |
| Core deposits to total deposits | 97.43% |
| Brokered deposits to total deposits | 0.22% |
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 | 81.31% | 99.78% | $44.8M | $16.5M |
| Q4 2023 | 88.98% | 95.25% | $51.2M | $35.5M |
| Q1 2024 | 84.62% | 90.21% | $31.4M | $28.0M |
| Q2 2024 | 81.31% | 98.49% | $42.0M | $6.0M |
| Q3 2024 | 80.89% | 98.89% | $45.5M | $6.0M |
| Q4 2024 | 85.57% | 97.06% | $42.6M | $4.5M |
| Q1 2025 | 83.32% | 96.86% | $47.7M | $2.5M |
| Q2 2025 | 79.11% | 98.51% | $36.2M | $1.0M |
| Q3 2025 | 76.91% | 98.64% | $37.3M | $1.0M |
| Q4 2025 | 83.75% | 96.71% | $29.7M | $25.0M |
| Q1 2026 | 83.69% | 98.10% | $40.3M | $11.0M |
| Q2 2026 | 80.94% | 97.43% | $49.4M | $11.0M |
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 17320) · FFIEC NIC profile (RSSD 922344)