The Peoples Savings and Loan Company: 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.
Fed funds sold and reverse repos dropped 55.8% in Q2 2026, from $5.3M to $2.3M. It was the largest change from Q1 2026 among the key lines here. The Peoples Savings and Loan Company has the 16th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 57.55% as of Q2 2026. The Peoples Savings and Loan Company reported 57.55% on loan-to-deposit ratio for Q2 2026, 23.29 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.6M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 1.49% |
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 | 57.55% |
| Net loans and leases to deposits | 57.36% |
| Loans and leases to core deposits | 63.07% |
| Core deposits to total deposits | 91.25% |
| 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 | 52.74% | 96.14% | $0 | $0 |
| Q4 2023 | 53.70% | 95.53% | $0 | $0 |
| Q1 2024 | 51.57% | 95.20% | $0 | $0 |
| Q2 2024 | 54.96% | 94.97% | $0 | $0 |
| Q3 2024 | 52.00% | 91.15% | $0 | $0 |
| Q4 2024 | 51.48% | 91.44% | $0 | $0 |
| Q1 2025 | 51.85% | 93.57% | $0 | $0 |
| Q2 2025 | 53.84% | 93.35% | $0 | $0 |
| Q3 2025 | 54.89% | 91.81% | $0 | $0 |
| Q4 2025 | 56.69% | 92.33% | $0 | $0 |
| Q1 2026 | 55.39% | 92.27% | $0 | $0 |
| Q2 2026 | 57.55% | 91.25% | $0 | $0 |
The Peoples Savings and Loan Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Savings and Loan Company, 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 Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29813) · FFIEC NIC profile (RSSD 605571)