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.
Other borrowed money climbed 200.0% in Q2 2026, from $5.0M to $15.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples State Bank is 197th of 346 on loan-to-deposit ratio, 68.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples State Bank sits 12.78 points lower, at 68.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.9M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.06% |
| Net loans and leases to deposits | 67.37% |
| Loans and leases to core deposits | 73.54% |
| Core deposits to total deposits | 89.35% |
| Brokered deposits to total deposits | 3.20% |
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 | 43.62% | 93.99% | $0 | $0 |
| Q4 2023 | 39.97% | 87.46% | $0 | $0 |
| Q1 2024 | 40.51% | 87.01% | $0 | $0 |
| Q2 2024 | 44.13% | 86.94% | $0 | $0 |
| Q3 2024 | 47.71% | 86.09% | $0 | $0 |
| Q4 2024 | 50.34% | 88.85% | $0 | $0 |
| Q1 2025 | 51.01% | 89.36% | $0 | $0 |
| Q2 2025 | 59.58% | 87.67% | $1.0M | $9.7M |
| Q3 2025 | 63.51% | 88.07% | $0 | $12.7M |
| Q4 2025 | 59.61% | 90.18% | $0 | $9.0M |
| Q1 2026 | 62.21% | 89.73% | $0 | $5.0M |
| Q2 2026 | 68.06% | 89.35% | $0 | $15.0M |
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 10345) · FFIEC NIC profile (RSSD 586960)