Peoples Bank & Trust Co.: 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.
Loans and leases to core deposits climbed 2.18 percentage points in Q2 2026, from 67.14% to 69.32%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Peoples Bank & Trust Co. is 167th of 192 on loan-to-deposit ratio, 62.24% as of Q2 2026, below the middle of the field. Peoples Bank & Trust Co. reported 62.24% on loan-to-deposit ratio for Q2 2026, 18.70 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $376.4M |
| 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 | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.24% |
| Net loans and leases to deposits | 61.23% |
| Loans and leases to core deposits | 69.32% |
| Core deposits to total deposits | 83.86% |
| Brokered deposits to total deposits | 5.93% |
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 | 60.22% | 95.41% | $0 | $35.0M |
| Q4 2023 | 55.85% | 91.77% | $0 | $35.0M |
| Q1 2024 | 56.87% | 91.01% | $0 | $34.5M |
| Q2 2024 | 57.44% | 89.75% | $0 | $34.1M |
| Q3 2024 | 60.76% | 88.85% | $0 | $33.7M |
| Q4 2024 | 58.01% | 89.39% | $0 | $33.4M |
| Q1 2025 | 60.04% | 86.63% | $0 | $33.0M |
| Q2 2025 | 62.27% | 86.39% | $0 | $32.6M |
| Q3 2025 | 63.26% | 85.46% | $0 | $32.3M |
| Q4 2025 | 61.26% | 85.71% | $0 | $25.0M |
| Q1 2026 | 61.72% | 86.01% | $0 | $25.0M |
| Q2 2026 | 62.24% | 83.86% | $0 | $25.0M |
Peoples Bank & Trust Co. 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 Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8903) · FFIEC NIC profile (RSSD 909055)