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.
Other borrowed money dropped 100.0% in Q2 2026, from $1.8M to $0. It was the largest change from Q1 2026 among the key lines here. The Peoples Savings Bank ranks 42nd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 91.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Savings Bank sits 10.46 points higher, at 91.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.3M |
| 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 | $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 | 91.30% |
| Net loans and leases to deposits | 90.54% |
| Loans and leases to core deposits | 114.22% |
| Core deposits to total deposits | 79.93% |
| 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 | 98.18% | 92.08% | $0 | $4.8M |
| Q4 2023 | 99.88% | 92.06% | $0 | $6.4M |
| Q1 2024 | 95.88% | 90.89% | $0 | $3.7M |
| Q2 2024 | 97.37% | 91.07% | $0 | $3.6M |
| Q3 2024 | 95.57% | 91.19% | $0 | $3.4M |
| Q4 2024 | 100.96% | 90.26% | $0 | $8.1M |
| Q1 2025 | 93.60% | 87.32% | $0 | $2.8M |
| Q2 2025 | 93.73% | 85.61% | $0 | $2.5M |
| Q3 2025 | 95.85% | 83.65% | $0 | $2.3M |
| Q4 2025 | 97.00% | 82.33% | $0 | $2.0M |
| Q1 2026 | 93.92% | 80.73% | $0 | $1.8M |
| Q2 2026 | 91.30% | 79.93% | $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 29975) · FFIEC NIC profile (RSSD 819172)