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.
Loan-to-deposit ratio dropped 1.99 percentage points in Q2 2026, from 123.44% to 121.44%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Peoples Savings and Loan Company ranks 5th highest among the 156 banks headquartered in Ohio, at 121.44% (Q2 2026). The Peoples Savings and Loan Company's loan-to-deposit ratio of 121.44% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 40.60 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.44% |
| Net loans and leases to deposits | 120.41% |
| Loans and leases to core deposits | 132.57% |
| Core deposits to total deposits | 91.61% |
| 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 | 132.24% | 96.06% | $0 | $22.7M |
| Q4 2023 | 134.95% | 96.47% | $0 | $22.4M |
| Q1 2024 | 134.56% | 95.62% | $0 | $24.2M |
| Q2 2024 | 133.12% | 94.96% | $0 | $23.9M |
| Q3 2024 | 128.84% | 94.84% | $0 | $22.2M |
| Q4 2024 | 130.45% | 94.96% | $0 | $21.9M |
| Q1 2025 | 128.90% | 93.24% | $0 | $23.2M |
| Q2 2025 | 127.45% | 91.93% | $0 | $24.5M |
| Q3 2025 | 124.84% | 91.80% | $0 | $20.2M |
| Q4 2025 | 125.23% | 91.55% | $0 | $20.0M |
| Q1 2026 | 123.44% | 92.21% | $0 | $22.3M |
| Q2 2026 | 121.44% | 91.61% | $0 | $20.6M |
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 30889) · FFIEC NIC profile (RSSD 943273)