Peoplessouth 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.09 percentage points higher than in Q1 2026, at 92.53%. Peoplessouth Bank ranks 67th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 78.08% (Q2 2026). Peoplessouth Bank reported 78.08% on loan-to-deposit ratio for Q2 2026, 10.12 points below 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 | $33.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $294.2M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.08% |
| Net loans and leases to deposits | 77.06% |
| Loans and leases to core deposits | 92.53% |
| Core deposits to total deposits | 84.38% |
| 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 | 69.94% | 87.26% | $0 | $0 |
| Q4 2023 | 68.19% | 84.53% | $0 | $0 |
| Q1 2024 | 68.04% | 86.49% | $0 | $0 |
| Q2 2024 | 70.80% | 85.78% | $0 | $0 |
| Q3 2024 | 72.60% | 86.03% | $0 | $0 |
| Q4 2024 | 72.75% | 85.99% | $0 | $0 |
| Q1 2025 | 72.59% | 85.58% | $0 | $0 |
| Q2 2025 | 74.20% | 84.75% | $0 | $0 |
| Q3 2025 | 73.66% | 82.90% | $0 | $0 |
| Q4 2025 | 75.21% | 83.13% | $0 | $0 |
| Q1 2026 | 74.89% | 84.68% | $0 | $0 |
| Q2 2026 | 78.08% | 84.38% | $0 | $10.0M |
Peoplessouth Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplessouth 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 Peoplessouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21292) · FFIEC NIC profile (RSSD 518037)