Peoples State 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 Cash and balances due from depository institutions: 210.5% higher than in Q1 2026, at $38.3M. Peoples State Bank ranks 106th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 79.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Peoples State Bank reported 79.72% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $303.5M |
| Fed funds sold and reverse repos | $10.3M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.72% |
| Net loans and leases to deposits | 78.56% |
| Loans and leases to core deposits | 86.15% |
| Core deposits to total deposits | 92.54% |
| 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 | 67.13% | 88.28% | $18K | $35.5M |
| Q4 2023 | 67.62% | 88.70% | $18K | $50.5M |
| Q1 2024 | 72.55% | 90.45% | $18K | $68.0M |
| Q2 2024 | 74.65% | 89.98% | $18K | $76.0M |
| Q3 2024 | 72.45% | 86.04% | $18K | $71.0M |
| Q4 2024 | 71.17% | 86.02% | $18K | $33.5M |
| Q1 2025 | 71.95% | 87.60% | $18K | $31.0M |
| Q2 2025 | 71.74% | 88.13% | $0 | $31.5M |
| Q3 2025 | 75.09% | 91.88% | $0 | $59.5M |
| Q4 2025 | 79.04% | 91.94% | $97K | $85.0M |
| Q1 2026 | 80.50% | 92.42% | $0 | $79.3M |
| Q2 2026 | 79.72% | 92.54% | $0 | $75.0M |
Peoples State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12814) · FFIEC NIC profile (RSSD 262844)