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 Fed funds purchased and repos: 40.6% lower than in Q1 2026, at $2.4M. Peoples State Bank ranks 47th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 96.50% (Q2 2026). Peoples State Bank reported 96.50% on loan-to-deposit ratio for Q2 2026, 8.30 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $299.3M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.4M |
| Other borrowed money | $151.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.50% |
| Net loans and leases to deposits | 95.37% |
| Loans and leases to core deposits | 103.00% |
| Core deposits to total deposits | 89.50% |
| Brokered deposits to total deposits | 4.19% |
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 | 93.77% | 88.57% | $5.7M | $128.0M |
| Q4 2023 | 94.37% | 89.91% | $8.1M | $134.0M |
| Q1 2024 | 97.25% | 90.41% | $8.1M | $158.2M |
| Q2 2024 | 93.50% | 91.55% | $5.8M | $184.9M |
| Q3 2024 | 93.14% | 91.56% | $6.1M | $181.2M |
| Q4 2024 | 94.08% | 91.35% | $6.9M | $162.2M |
| Q1 2025 | 97.33% | 89.07% | $6.3M | $170.2M |
| Q2 2025 | 94.38% | 88.20% | $6.2M | $165.9M |
| Q3 2025 | 94.07% | 87.94% | $6.1M | $140.9M |
| Q4 2025 | 93.21% | 88.26% | $5.4M | $113.0M |
| Q1 2026 | 94.14% | 89.07% | $4.1M | $136.9M |
| Q2 2026 | 96.50% | 89.50% | $2.4M | $151.4M |
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 18569) · FFIEC NIC profile (RSSD 340144)