Peoples Bank & Trust Company: 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: 6.04 percentage points lower than in Q1 2026, at 138.03%. Peoples Bank & Trust Company ranks 48th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 89.60% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Peoples Bank & Trust Company sits 21.97 points higher, at 89.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.7M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 6.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $397K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.60% |
| Net loans and leases to deposits | 86.70% |
| Loans and leases to core deposits | 138.03% |
| Core deposits to total deposits | 64.91% |
| Brokered deposits to total deposits | 2.04% |
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 | 76.52% | 78.69% | $0 | $658K |
| Q4 2023 | 85.49% | 76.48% | $115K | $658K |
| Q1 2024 | 76.08% | 77.57% | $0 | $634K |
| Q2 2024 | 80.80% | 77.98% | $0 | $634K |
| Q3 2024 | 83.27% | 71.21% | $0 | $607K |
| Q4 2024 | 91.58% | 72.11% | $0 | $607K |
| Q1 2025 | 77.88% | 69.86% | $0 | $582K |
| Q2 2025 | 76.33% | 68.83% | $0 | $582K |
| Q3 2025 | 96.91% | 68.69% | $0 | $421K |
| Q4 2025 | 89.97% | 56.80% | $0 | $421K |
| Q1 2026 | 87.97% | 61.06% | $0 | $397K |
| Q2 2026 | 89.60% | 64.91% | $0 | $397K |
Peoples Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2331) · FFIEC NIC profile (RSSD 243955)