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.
Loans and leases to core deposits climbed 2.48 percentage points in Q2 2026, from 37.18% to 39.66%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples State Bank is 311th of 346 on loan-to-deposit ratio, 35.94% as of Q2 2026, below the middle of the field. Against a median of 80.84% for banks in the $100M-1B asset tier, Peoples State Bank reported 35.94% on loan-to-deposit ratio in Q2 2026, 44.90 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.9M |
| 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 | $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 | 35.94% |
| Net loans and leases to deposits | 35.81% |
| Loans and leases to core deposits | 39.66% |
| Core deposits to total deposits | 90.61% |
| 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 | 48.54% | 97.70% | $0 | $0 |
| Q4 2023 | 47.27% | 90.41% | $0 | $0 |
| Q1 2024 | 40.37% | 91.47% | $0 | $0 |
| Q2 2024 | 42.80% | 91.71% | $0 | $0 |
| Q3 2024 | 40.41% | 91.44% | $0 | $0 |
| Q4 2024 | 28.52% | 94.32% | $0 | $0 |
| Q1 2025 | 35.89% | 93.10% | $0 | $0 |
| Q2 2025 | 34.70% | 92.43% | $0 | $0 |
| Q3 2025 | 33.67% | 92.88% | $0 | $0 |
| Q4 2025 | 33.37% | 92.39% | $0 | $0 |
| Q1 2026 | 34.08% | 91.65% | $0 | $0 |
| Q2 2026 | 35.94% | 90.61% | $0 | $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 15939) · FFIEC NIC profile (RSSD 660066)