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 Loans and leases to core deposits: 12.40 percentage points higher than in Q1 2026, at 97.44%. Within Ohio, Peoples State Bank is 54th of 156 on loan-to-deposit ratio, 88.38% as of Q2 2026, above the middle of the field. Peoples State Bank reported 88.38% on loan-to-deposit ratio for Q2 2026, 7.54 points above 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 | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.8M |
| 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 | $3.6M |
| 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 | 88.38% |
| Net loans and leases to deposits | 87.81% |
| Loans and leases to core deposits | 97.44% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 3.89% |
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 | 71.83% | 91.69% | $0 | $0 |
| Q4 2023 | 73.20% | 85.65% | $0 | $0 |
| Q1 2024 | 74.32% | 88.27% | $1.3M | $0 |
| Q2 2024 | 75.01% | 87.15% | $2.7M | $0 |
| Q3 2024 | 74.73% | 85.26% | $0 | $0 |
| Q4 2024 | 76.09% | 87.86% | $0 | $0 |
| Q1 2025 | 77.74% | 86.64% | $0 | $0 |
| Q2 2025 | 78.36% | 86.22% | $282K | $0 |
| Q3 2025 | 78.18% | 85.66% | $0 | $0 |
| Q4 2025 | 82.10% | 86.99% | $0 | $0 |
| Q1 2026 | 78.03% | 88.19% | $0 | $0 |
| Q2 2026 | 88.38% | 86.81% | $3.6M | $0 |
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 6659) · FFIEC NIC profile (RSSD 431323)