The Peoples State Bank of Newton, Illinois: 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 Cash and balances due from depository institutions: 28.6% higher than in Q1 2026, at $51.2M. Within Illinois, The Peoples State Bank of Newton, Illinois is 85th of 323 on loan-to-deposit ratio, 86.70% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples State Bank of Newton, Illinois sits 5.87 points higher, at 86.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $207.5M |
| 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 | $27.6M |
| Other borrowed money | $39.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.70% |
| Net loans and leases to deposits | 85.53% |
| Loans and leases to core deposits | 103.39% |
| Core deposits to total deposits | 83.86% |
| 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 | 77.95% | 89.24% | $24.6M | $48.0M |
| Q4 2023 | 76.02% | 84.87% | $22.1M | $34.0M |
| Q1 2024 | 76.47% | 83.00% | $19.6M | $30.0M |
| Q2 2024 | 79.82% | 80.97% | $14.7M | $35.0M |
| Q3 2024 | 80.22% | 80.64% | $17.0M | $31.0M |
| Q4 2024 | 82.05% | 82.87% | $14.9M | $41.0M |
| Q1 2025 | 81.18% | 81.47% | $16.5M | $41.0M |
| Q2 2025 | 83.83% | 82.01% | $20.1M | $33.0M |
| Q3 2025 | 83.29% | 83.59% | $21.1M | $30.0M |
| Q4 2025 | 90.63% | 84.68% | $22.7M | $60.9M |
| Q1 2026 | 87.18% | 84.83% | $26.4M | $51.7M |
| Q2 2026 | 86.70% | 83.86% | $27.6M | $39.2M |
The Peoples State Bank of Newton, Illinois liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11722) · FFIEC NIC profile (RSSD 326344)