The 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.
Loan-to-deposit ratio dropped 1.76 percentage points in Q2 2026, from 64.19% to 62.43%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Peoples State Bank is 75th of 87 on loan-to-deposit ratio, 62.43% as of Q2 2026, below the middle of the field. The Peoples State Bank reported 62.43% on loan-to-deposit ratio for Q2 2026, 18.41 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $215.1M |
| Fed funds sold and reverse repos | $890K |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $12.8M |
| 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 | 62.43% |
| Net loans and leases to deposits | 61.79% |
| Loans and leases to core deposits | 65.13% |
| Core deposits to total deposits | 95.86% |
| 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 | 59.46% | 97.63% | $16.7M | $0 |
| Q4 2023 | 60.40% | 97.61% | $15.7M | $0 |
| Q1 2024 | 61.30% | 97.66% | $15.6M | $0 |
| Q2 2024 | 60.72% | 97.72% | $14.9M | $0 |
| Q3 2024 | 62.13% | 97.75% | $15.9M | $0 |
| Q4 2024 | 60.16% | 97.69% | $15.6M | $0 |
| Q1 2025 | 64.39% | 97.56% | $16.2M | $2.5M |
| Q2 2025 | 63.69% | 97.60% | $15.3M | $0 |
| Q3 2025 | 64.66% | 97.25% | $14.5M | $0 |
| Q4 2025 | 64.34% | 97.10% | $13.5M | $0 |
| Q1 2026 | 64.19% | 96.52% | $13.6M | $0 |
| Q2 2026 | 62.43% | 95.86% | $12.8M | $0 |
The 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 The 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 The Peoples State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14113) · FFIEC NIC profile (RSSD 454546)