Peoples State Bank of Munising: 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 climbed 121.2% in Q2 2026, from $5.3M to $11.7M. It was the largest change from Q1 2026 among the key lines here. Peoples State Bank of Munising ranks 41st of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples State Bank of Munising sits 2.87 points lower, at 77.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.4M |
| 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 | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.97% |
| Net loans and leases to deposits | 76.41% |
| Loans and leases to core deposits | 79.43% |
| Core deposits to total deposits | 98.15% |
| 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 | 65.88% | 93.77% | $0 | $10.0M |
| Q4 2023 | 71.14% | 95.73% | $555K | $21.0M |
| Q1 2024 | 75.71% | 95.40% | $0 | $31.0M |
| Q2 2024 | 78.47% | 94.05% | $0 | $34.0M |
| Q3 2024 | 74.28% | 95.17% | $0 | $29.0M |
| Q4 2024 | 79.55% | 96.20% | $0 | $33.0M |
| Q1 2025 | 75.34% | 96.34% | $0 | $27.0M |
| Q2 2025 | 76.39% | 97.92% | $0 | $26.5M |
| Q3 2025 | 74.82% | 98.14% | $0 | $18.5M |
| Q4 2025 | 76.91% | 97.95% | $1.4M | $18.5M |
| Q1 2026 | 77.35% | 98.18% | $0 | $21.5M |
| Q2 2026 | 77.97% | 98.15% | $0 | $24.5M |
Peoples State Bank of Munising 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 Munising, 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 Munising profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15165) · FFIEC NIC profile (RSSD 262956)