Peoples First Savings 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 Other borrowed money: 35.6% lower than in Q1 2026, at $4.0M. Among 156 Ohio banks, Peoples First Savings Bank sits 14th from the top on loan-to-deposit ratio, 103.56% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, Peoples First Savings Bank reported 103.56% on loan-to-deposit ratio in Q2 2026, 35.64 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $6.4M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 3.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.56% |
| Net loans and leases to deposits | 102.83% |
| Loans and leases to core deposits | 120.76% |
| Core deposits to total deposits | 79.24% |
| Brokered deposits to total deposits | 6.52% |
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 | 116.12% | 80.29% | $0 | $12.2M |
| Q4 2023 | 119.18% | 81.57% | $0 | $12.2M |
| Q1 2024 | 116.61% | 80.76% | $0 | $12.2M |
| Q2 2024 | 115.70% | 80.59% | $0 | $12.1M |
| Q3 2024 | 112.75% | 78.72% | $0 | $11.0M |
| Q4 2024 | 111.03% | 78.06% | $0 | $10.9M |
| Q1 2025 | 109.18% | 79.93% | $0 | $8.9M |
| Q2 2025 | 107.95% | 78.66% | $0 | $8.9M |
| Q3 2025 | 108.10% | 80.42% | $0 | $8.8M |
| Q4 2025 | 104.59% | 78.02% | $0 | $8.7M |
| Q1 2026 | 103.83% | 78.41% | $0 | $6.2M |
| Q2 2026 | 103.56% | 79.24% | $0 | $4.0M |
Peoples First Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples First Savings 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 First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30688) · FFIEC NIC profile (RSSD 363778)