Peoples Community 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.
Fed funds sold and reverse repos climbed 231.4% in Q2 2026, from $3.9M to $12.9M. It was the largest change from Q1 2026 among the key lines here. Peoples Community Bank ranks 104th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 83.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Peoples Community Bank reported 83.25% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $206.2M |
| Fed funds sold and reverse repos | $12.9M |
| Fed funds sold and reverse repos to assets | 1.75% |
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 | 83.25% |
| Net loans and leases to deposits | 82.26% |
| Loans and leases to core deposits | 96.24% |
| Core deposits to total deposits | 86.50% |
| 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 | 85.29% | 89.14% | $0 | $10.0M |
| Q4 2023 | 82.92% | 87.94% | $0 | $0 |
| Q1 2024 | 80.86% | 87.80% | $0 | $0 |
| Q2 2024 | 77.96% | 87.75% | $0 | $0 |
| Q3 2024 | 81.15% | 87.56% | $0 | $0 |
| Q4 2024 | 79.75% | 87.36% | $0 | $0 |
| Q1 2025 | 78.42% | 87.82% | $0 | $0 |
| Q2 2025 | 79.39% | 88.33% | $0 | $0 |
| Q3 2025 | 82.99% | 86.28% | $0 | $0 |
| Q4 2025 | 85.00% | 86.52% | $0 | $0 |
| Q1 2026 | 84.26% | 86.44% | $0 | $0 |
| Q2 2026 | 83.25% | 86.50% | $0 | $0 |
Peoples Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Community 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 Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22394) · FFIEC NIC profile (RSSD 784159)