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: 10.33 percentage points higher than in Q1 2026, at 75.26%. Within Iowa, Peoples Savings Bank is 177th of 225 on loan-to-deposit ratio, 65.62% as of Q2 2026, below the middle of the field. Peoples Savings Bank reported 65.62% on loan-to-deposit ratio for Q2 2026, 15.22 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 | $15.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $226.2M |
| Fed funds sold and reverse repos | $461K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $29.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.62% |
| Net loans and leases to deposits | 64.81% |
| Loans and leases to core deposits | 75.26% |
| Core deposits to total deposits | 81.85% |
| Brokered deposits to total deposits | 5.34% |
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 | 56.11% | 85.72% | $0 | $12.5M |
| Q4 2023 | 60.92% | 85.51% | $2.8M | $12.5M |
| Q1 2024 | 55.95% | 88.17% | $0 | $22.5M |
| Q2 2024 | 62.16% | 86.90% | $0 | $30.5M |
| Q3 2024 | 56.55% | 83.60% | $0 | $30.5M |
| Q4 2024 | 60.10% | 82.38% | $0 | $30.5M |
| Q1 2025 | 58.69% | 84.92% | $0 | $30.5M |
| Q2 2025 | 64.57% | 83.23% | $0 | $30.5M |
| Q3 2025 | 59.15% | 83.85% | $0 | $18.0M |
| Q4 2025 | 64.49% | 82.69% | $0 | $18.0M |
| Q1 2026 | 57.68% | 83.51% | $0 | $28.0M |
| Q2 2026 | 65.62% | 81.85% | $0 | $29.4M |
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 34973) · FFIEC NIC profile (RSSD 2732565)