The 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 Fed funds sold and reverse repos: 32.2% higher than in Q1 2026, at $4.4M. On loan-to-deposit ratio, The Peoples Savings Bank is 12th from the bottom among 156 Ohio banks, 54.79% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Peoples Savings Bank sits 12.83 points lower, at 54.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.6M |
| Fed funds sold and reverse repos | $4.4M |
| Fed funds sold and reverse repos to assets | 6.07% |
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 | 54.79% |
| Net loans and leases to deposits | 54.05% |
| Loans and leases to core deposits | 58.94% |
| Core deposits to total deposits | 92.96% |
| 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 | 51.08% | 99.40% | $0 | $0 |
| Q4 2023 | 51.38% | 98.58% | $0 | $0 |
| Q1 2024 | 53.74% | 96.42% | $0 | $0 |
| Q2 2024 | 55.04% | 96.32% | $0 | $0 |
| Q3 2024 | 56.65% | 96.24% | $0 | $0 |
| Q4 2024 | 56.64% | 97.44% | $0 | $0 |
| Q1 2025 | 57.99% | 95.77% | $0 | $0 |
| Q2 2025 | 53.41% | 96.01% | $0 | $0 |
| Q3 2025 | 56.70% | 95.74% | $0 | $0 |
| Q4 2025 | 57.65% | 96.57% | $0 | $0 |
| Q1 2026 | 57.69% | 93.57% | $0 | $0 |
| Q2 2026 | 54.79% | 92.96% | $0 | $0 |
The 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 The 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 The Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9439) · FFIEC NIC profile (RSSD 287922)