Peoples State Bank of Colfax: 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.
Cash and balances due from depository institutions fell 5.1% from Q2 2026 to Q3 2026, ending at $14.7M against $15.4M. It was the largest change among the key lines on this page. On loan-to-deposit ratio, Peoples State Bank of Colfax is 26th from the bottom among 323 Illinois banks, 45.55% (Q3 2026). Peoples State Bank of Colfax reported 45.55% on loan-to-deposit ratio for Q3 2026, 22.08 points below the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $222K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 45.55% |
| Net loans and leases to deposits | 45.29% |
| Loans and leases to core deposits | 48.64% |
| Core deposits to total deposits | 93.64% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 59.28% | 95.05% | $0 | $2.0M |
| Q1 2024 | 59.54% | 97.07% | $0 | $222K |
| Q2 2024 | 55.19% | 93.96% | $0 | $1.2M |
| Q3 2024 | 52.15% | 94.11% | $0 | $1.2M |
| Q4 2024 | 54.41% | 97.36% | $0 | $1.2M |
| Q1 2025 | 53.24% | 97.30% | $0 | $222K |
| Q2 2025 | 49.15% | 95.11% | $0 | $222K |
| Q3 2025 | 47.23% | 95.45% | $0 | $222K |
| Q4 2025 | 48.43% | 95.21% | $0 | $222K |
| Q1 2026 | 46.10% | 94.36% | $0 | $222K |
| Q2 2026 | 45.93% | 93.53% | $0 | $222K |
| Q3 2026 | 45.55% | 93.64% | $0 | $222K |
Peoples State Bank of Colfax 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 of Colfax, 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 of Colfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10075) · FFIEC NIC profile (RSSD 33839)