Peoples Community Bank SB of Monticello, Indiana: 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: 5.69 percentage points higher than in Q1 2026, at 211.57%. Peoples Community Bank SB of Monticello, Indiana has the highest loan-to-deposit ratio of the 87 banks headquartered in Indiana, 205.86% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Peoples Community Bank SB of Monticello, Indiana reported 205.86% on loan-to-deposit ratio in Q2 2026, 138.24 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.1M |
| 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 | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 21.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 205.86% |
| Net loans and leases to deposits | 204.00% |
| Loans and leases to core deposits | 211.57% |
| Core deposits to total deposits | 97.30% |
| 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 | 213.17% | 97.45% | $0 | $9.0M |
| Q4 2023 | 223.39% | 96.46% | $0 | $8.5M |
| Q1 2024 | 210.48% | 96.58% | $0 | $9.5M |
| Q2 2024 | 216.79% | 96.46% | $0 | $10.0M |
| Q3 2024 | 199.72% | 96.58% | $0 | $8.5M |
| Q4 2024 | 199.92% | 96.69% | $0 | $8.5M |
| Q1 2025 | 193.86% | 96.70% | $0 | $8.5M |
| Q2 2025 | 196.61% | 97.44% | $0 | $8.5M |
| Q3 2025 | 193.51% | 97.52% | $0 | $9.0M |
| Q4 2025 | 197.18% | 98.69% | $0 | $9.0M |
| Q1 2026 | 200.46% | 97.37% | $0 | $9.0M |
| Q2 2026 | 205.86% | 97.30% | $0 | $9.0M |
Peoples Community Bank SB of Monticello, Indiana 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 SB of Monticello, Indiana, 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 SB of Monticello, Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30065) · FFIEC NIC profile (RSSD 654579)