The 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 37.0% lower than in Q1 2026, at $12.9M. The Peoples Community Bank ranks 126th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 73.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Community Bank sits 7.15 points lower, at 73.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.7M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 0.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $960K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.69% |
| Net loans and leases to deposits | 72.68% |
| Loans and leases to core deposits | 77.76% |
| Core deposits to total deposits | 94.76% |
| 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 | 67.66% | 96.63% | $0 | $2.5M |
| Q4 2023 | 69.46% | 96.29% | $0 | $5.3M |
| Q1 2024 | 71.34% | 95.88% | $0 | $5.0M |
| Q2 2024 | 73.08% | 92.84% | $1.2M | $5.0M |
| Q3 2024 | 67.58% | 93.49% | $0 | $5.0M |
| Q4 2024 | 66.63% | 95.59% | $0 | $0 |
| Q1 2025 | 67.04% | 95.20% | $0 | $0 |
| Q2 2025 | 71.18% | 94.49% | $0 | $0 |
| Q3 2025 | 69.59% | 94.84% | $0 | $960K |
| Q4 2025 | 69.44% | 95.43% | $0 | $960K |
| Q1 2026 | 70.99% | 95.75% | $0 | $960K |
| Q2 2026 | 73.69% | 94.76% | $0 | $960K |
The 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 The 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 The Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15046) · FFIEC NIC profile (RSSD 420644)