Peoplestrust 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: 5.07 percentage points lower than in Q1 2026, at 102.58%. Within Alabama, Peoplestrust Bank is 34th of 93 on loan-to-deposit ratio, 75.26% as of Q2 2026. Peoplestrust Bank reported 75.26% on loan-to-deposit ratio for Q2 2026, 5.29 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.1M |
| Fed funds sold and reverse repos | $28.4M |
| Fed funds sold and reverse repos to assets | 14.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.26% |
| Net loans and leases to deposits | 74.12% |
| Loans and leases to core deposits | 102.58% |
| Core deposits to total deposits | 73.36% |
| Brokered deposits to total deposits | 1.37% |
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 | 82.17% | 79.98% | $0 | $1.0M |
| Q4 2023 | 77.89% | 74.98% | $0 | $1.0M |
| Q1 2024 | 78.33% | 75.50% | $0 | $1.0M |
| Q2 2024 | 77.32% | 75.68% | $0 | $1.0M |
| Q3 2024 | 78.85% | 73.34% | $0 | $1.0M |
| Q4 2024 | 78.30% | 73.78% | $0 | $1.0M |
| Q1 2025 | 79.10% | 74.75% | $0 | $1.0M |
| Q2 2025 | 77.94% | 73.97% | $0 | $1.0M |
| Q3 2025 | 79.52% | 74.23% | $0 | $1.0M |
| Q4 2025 | 77.25% | 71.87% | $0 | $1.0M |
| Q1 2026 | 77.97% | 72.43% | $0 | $1.0M |
| Q2 2026 | 75.26% | 73.36% | $0 | $1.0M |
Peoplestrust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplestrust 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 Peoplestrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57569) · FFIEC NIC profile (RSSD 3282012)