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 sold and reverse repos to assets: 2.59 percentage points higher than in Q1 2026, at 8.02%. Peoples State Bank ranks 74th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 80.67% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Peoples State Bank sits 13.05 points higher, at 80.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.9M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 8.02% |
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 | 80.67% |
| Net loans and leases to deposits | 80.00% |
| Loans and leases to core deposits | 80.67% |
| Core deposits to total deposits | 100.00% |
| 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 | 68.23% | 100.00% | $0 | $0 |
| Q4 2023 | 74.93% | 100.00% | $0 | $0 |
| Q1 2024 | 79.00% | 100.00% | $0 | $0 |
| Q2 2024 | 84.91% | 100.00% | $54K | $0 |
| Q3 2024 | 82.08% | 100.00% | $0 | $0 |
| Q4 2024 | 77.25% | 100.00% | $0 | $0 |
| Q1 2025 | 81.41% | 100.00% | $0 | $0 |
| Q2 2025 | 84.60% | 100.00% | $0 | $0 |
| Q3 2025 | 89.24% | 100.00% | $0 | $0 |
| Q4 2025 | 83.03% | 100.00% | $0 | $0 |
| Q1 2026 | 80.76% | 100.00% | $0 | $0 |
| Q2 2026 | 80.67% | 100.00% | $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 17138) · FFIEC NIC profile (RSSD 991854)