PeoplesBank: 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 50.3% in Q2 2026, from $63.4M to $95.2M. It was the largest change from Q1 2026 among the key lines here. PeoplesBank ranks 30th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 100.27% (Q2 2026). PeoplesBank reported 100.27% on loan-to-deposit ratio for Q2 2026, 12.07 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $95.2M |
| Cash and noninterest-bearing balances to assets | 1.95% |
| Cash and securities | $788.6M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $614.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.27% |
| Net loans and leases to deposits | 99.66% |
| Loans and leases to core deposits | 106.31% |
| Core deposits to total deposits | 94.32% |
| 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 | 91.53% | 83.57% | $52.2M | $74.4M |
| Q4 2023 | 101.06% | 84.70% | $41.9M | $446.4M |
| Q1 2024 | 95.96% | 80.76% | $41.9M | $281.4M |
| Q2 2024 | 92.43% | 79.66% | $31.4M | $300.6M |
| Q3 2024 | 91.96% | 74.00% | $37.2M | $174.1M |
| Q4 2024 | 100.89% | 84.41% | $32.4M | $455.6M |
| Q1 2025 | 98.15% | 84.77% | $42.7M | $334.1M |
| Q2 2025 | 99.12% | 89.87% | $43.4M | $383.2M |
| Q3 2025 | 98.24% | 84.16% | $41.6M | $314.5M |
| Q4 2025 | 97.13% | 89.36% | $12.5M | $356.8M |
| Q1 2026 | 102.52% | 93.91% | $0 | $665.3M |
| Q2 2026 | 100.27% | 94.32% | $0 | $614.0M |
PeoplesBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PeoplesBank, 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 PeoplesBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90213) · FFIEC NIC profile (RSSD 613400)