Producers Bank & Trust: 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: 16.34 percentage points higher than in Q1 2026, at 131.81%. Within Arkansas, Producers Bank & Trust is 14th of 78 on loan-to-deposit ratio, 97.34% as of Q2 2026, above the middle of the field. Producers Bank & Trust reported 97.34% on loan-to-deposit ratio for Q2 2026, 16.51 points above 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 | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.4M |
| Fed funds sold and reverse repos | $550K |
| Fed funds sold and reverse repos to assets | 0.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.34% |
| Net loans and leases to deposits | 95.68% |
| Loans and leases to core deposits | 131.81% |
| Core deposits to total deposits | 73.85% |
| 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 | 93.82% | 83.46% | $0 | $8.0M |
| Q4 2023 | 72.70% | 79.64% | $0 | $0 |
| Q1 2024 | 71.08% | 78.52% | $0 | $0 |
| Q2 2024 | 86.26% | 77.52% | $0 | $3.0M |
| Q3 2024 | 106.73% | 80.85% | $0 | $30.0M |
| Q4 2024 | 89.91% | 78.70% | $4.6M | $0 |
| Q1 2025 | 83.05% | 73.70% | $0 | $0 |
| Q2 2025 | 82.09% | 73.85% | $0 | $0 |
| Q3 2025 | 106.65% | 75.32% | $0 | $13.0M |
| Q4 2025 | 92.86% | 72.48% | $0 | $0 |
| Q1 2026 | 86.35% | 74.78% | $0 | $0 |
| Q2 2026 | 97.34% | 73.85% | $0 | $5.0M |
Producers Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Producers Bank & Trust, 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 Producers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11242) · FFIEC NIC profile (RSSD 897648)