Peoples National Bank, N.A.: 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.
Cash and balances due from depository institutions climbed 57.8% in Q2 2026, from $54.6M to $86.1M. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Peoples National Bank, N.A. sits 19th from the top on loan-to-deposit ratio, 99.75% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples National Bank, N.A. sits 11.55 points higher, at 99.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $86.1M |
| Cash and noninterest-bearing balances to assets | 4.07% |
| Cash and securities | $171.3M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $48.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.75% |
| Net loans and leases to deposits | 98.56% |
| Loans and leases to core deposits | 109.33% |
| Core deposits to total deposits | 82.02% |
| Brokered deposits to total deposits | 9.22% |
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 | 92.45% | 85.40% | $0 | $0 |
| Q4 2023 | 100.42% | 91.48% | $0 | $61.0M |
| Q1 2024 | 100.24% | 89.84% | $0 | $45.0M |
| Q2 2024 | 101.28% | 86.79% | $3.6M | $43.0M |
| Q3 2024 | 99.42% | 85.21% | $0 | $10.0M |
| Q4 2024 | 97.18% | 84.77% | $19.8M | $16.0M |
| Q1 2025 | 97.91% | 85.93% | $0 | $23.0M |
| Q2 2025 | 99.40% | 83.96% | $0 | $0 |
| Q3 2025 | 98.99% | 83.77% | $0 | $0 |
| Q4 2025 | 102.37% | 85.47% | $0 | $44.0M |
| Q1 2026 | 98.63% | 85.39% | $0 | $0 |
| Q2 2026 | 99.75% | 82.02% | $0 | $48.0M |
Peoples National Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples National Bank, N.A., 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 National Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3809) · FFIEC NIC profile (RSSD 375043)