Peoples State Bank of Velva: 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 Loans and leases to core deposits: 11.96 percentage points higher than in Q1 2026, at 92.59%. Within North Dakota, Peoples State Bank of Velva is 28th of 60 on loan-to-deposit ratio, 82.78% as of Q2 2026, above the middle of the field. At 82.78%, Peoples State Bank of Velva's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.6M |
| Fed funds sold and reverse repos | $5.2M |
| Fed funds sold and reverse repos to assets | 2.50% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.78% |
| Net loans and leases to deposits | 81.75% |
| Loans and leases to core deposits | 92.59% |
| Core deposits to total deposits | 81.75% |
| Brokered deposits to total deposits | 7.65% |
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 | 82.78% | 91.16% | $0 | $5.0M |
| Q4 2023 | 79.65% | 91.17% | $0 | $2.0M |
| Q1 2024 | 80.78% | 89.97% | $0 | $4.0M |
| Q2 2024 | 81.70% | 88.35% | $0 | $4.0M |
| Q3 2024 | 81.24% | 88.93% | $0 | $4.0M |
| Q4 2024 | 78.87% | 89.11% | $0 | $4.0M |
| Q1 2025 | 76.45% | 90.27% | $0 | $3.0M |
| Q2 2025 | 85.95% | 81.67% | $0 | $8.0M |
| Q3 2025 | 84.73% | 80.72% | $0 | $4.5M |
| Q4 2025 | 84.01% | 80.57% | $0 | $4.5M |
| Q1 2026 | 72.18% | 81.99% | $0 | $0 |
| Q2 2026 | 82.78% | 81.75% | $0 | $5.8M |
Peoples State Bank of Velva 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 Velva, 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 Velva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10250) · FFIEC NIC profile (RSSD 713252)