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 dropped 6.08 percentage points in Q2 2026, from 132.98% to 126.90%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Peoples State Bank ranks 5th highest among the 182 banks headquartered in Kansas, at 118.87% (Q2 2026). Peoples State Bank's loan-to-deposit ratio of 118.87% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 51.24 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.1M |
| Fed funds sold and reverse repos | $993K |
| Fed funds sold and reverse repos to assets | 4.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.87% |
| Net loans and leases to deposits | 117.67% |
| Loans and leases to core deposits | 126.90% |
| Core deposits to total deposits | 76.51% |
| Brokered deposits to total deposits | 20.59% |
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 | 119.72% | 95.85% | $0 | $0 |
| Q4 2023 | 129.01% | 97.97% | $0 | $1.0M |
| Q1 2024 | 122.52% | 91.77% | $0 | $1.0M |
| Q2 2024 | 122.99% | 89.37% | $0 | $750K |
| Q3 2024 | 116.02% | 90.78% | $0 | $750K |
| Q4 2024 | 121.84% | 87.97% | $0 | $750K |
| Q1 2025 | 115.14% | 88.08% | $0 | $750K |
| Q2 2025 | 111.17% | 87.57% | $0 | $0 |
| Q3 2025 | 130.11% | 91.99% | $0 | $1.2M |
| Q4 2025 | 118.26% | 74.06% | $0 | $1.2M |
| Q1 2026 | 118.94% | 71.42% | $0 | $1.2M |
| Q2 2026 | 118.87% | 76.51% | $0 | $1.2M |
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 16744) · FFIEC NIC profile (RSSD 741358)