Peoples 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 Loans and leases to core deposits: 8.37 percentage points higher than in Q1 2026, at 125.82%. Within Iowa, Peoples Savings Bank is 30th of 225 on loan-to-deposit ratio, 101.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Savings Bank sits 20.34 points higher, at 101.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.4M |
| 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 | $3.0M |
| Other borrowed money | $25.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.18% |
| Net loans and leases to deposits | 100.14% |
| Loans and leases to core deposits | 125.82% |
| Core deposits to total deposits | 79.01% |
| Brokered deposits to total deposits | 1.41% |
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 | 92.27% | 79.83% | $0 | $14.9M |
| Q4 2023 | 92.80% | 75.22% | $0 | $16.9M |
| Q1 2024 | 94.61% | 76.10% | $0 | $17.4M |
| Q2 2024 | 97.83% | 77.84% | $0 | $21.8M |
| Q3 2024 | 103.02% | 75.12% | $0 | $30.0M |
| Q4 2024 | 100.53% | 76.06% | $50K | $24.7M |
| Q1 2025 | 94.89% | 73.85% | $0 | $19.1M |
| Q2 2025 | 100.08% | 74.25% | $750K | $26.1M |
| Q3 2025 | 98.85% | 74.95% | $0 | $24.1M |
| Q4 2025 | 94.16% | 75.13% | $0 | $22.6M |
| Q1 2026 | 95.43% | 76.45% | $0 | $20.0M |
| Q2 2026 | 101.18% | 79.01% | $3.0M | $25.9M |
Peoples 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14868) · FFIEC NIC profile (RSSD 136048)