Peoples Independent 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 Fed funds sold and reverse repos to assets: 6.03 percentage points higher than in Q1 2026, at 19.18%. On loan-to-deposit ratio, Peoples Independent Bank is 9th from the bottom among 93 Alabama banks, 42.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Independent Bank sits 37.89 points lower, at 42.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.7M |
| Cash and noninterest-bearing balances to assets | 8.89% |
| Cash and securities | $215.9M |
| Fed funds sold and reverse repos | $93.2M |
| Fed funds sold and reverse repos to assets | 19.18% |
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 | 42.95% |
| Net loans and leases to deposits | 42.55% |
| Loans and leases to core deposits | 47.71% |
| Core deposits to total deposits | 90.03% |
| Brokered deposits to total deposits | 0.72% |
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 | 47.92% | 92.90% | $0 | $28.0M |
| Q4 2023 | 49.55% | 92.13% | $0 | $39.0M |
| Q1 2024 | 47.11% | 92.61% | $0 | $11.0M |
| Q2 2024 | 47.35% | 92.62% | $0 | $11.0M |
| Q3 2024 | 47.67% | 92.22% | $0 | $0 |
| Q4 2024 | 46.59% | 90.10% | $0 | $0 |
| Q1 2025 | 45.69% | 90.15% | $0 | $0 |
| Q2 2025 | 45.71% | 89.95% | $0 | $0 |
| Q3 2025 | 46.94% | 90.14% | $0 | $0 |
| Q4 2025 | 45.87% | 90.01% | $0 | $0 |
| Q1 2026 | 45.22% | 90.11% | $0 | $0 |
| Q2 2026 | 42.95% | 90.03% | $0 | $0 |
Peoples Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27233) · FFIEC NIC profile (RSSD 1188987)