Citibank, N.A.: 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.
Fed funds purchased and repos dropped 25.9% in Q2 2026, from $40.29B to $29.83B. It was the largest change from Q1 2026 among the key lines here. Citibank, N.A. ranks 48th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 48.93% (Q2 2026). The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Citibank, N.A. sits 12.76 points lower, at 48.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $350.21B |
| Cash and noninterest-bearing balances to assets | 17.72% |
| Cash and securities | $773.60B |
| Fed funds sold and reverse repos | $116.61B |
| Fed funds sold and reverse repos to assets | 5.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $29.83B |
| Other borrowed money | $92.73B |
| Subordinated notes and debentures | $10.50B |
| Other borrowed money to assets | 4.69% |
| Trading liabilities | $54.57B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.93% |
| Net loans and leases to deposits | 47.78% |
| Loans and leases to core deposits | 89.78% |
| Core deposits to total deposits | 51.27% |
| Brokered deposits to total deposits | 3.58% |
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 | 49.13% | 46.82% | $13.78B | $60.16B |
| Q4 2023 | 49.23% | 46.63% | $9.77B | $65.94B |
| Q1 2024 | 47.79% | 48.10% | $11.54B | $59.38B |
| Q2 2024 | 50.21% | 47.95% | $13.52B | $69.25B |
| Q3 2024 | 48.65% | 48.11% | $11.43B | $73.62B |
| Q4 2024 | 50.14% | 49.27% | $12.77B | $71.52B |
| Q1 2025 | 49.34% | 48.16% | $22.73B | $72.37B |
| Q2 2025 | 49.36% | 47.92% | $19.66B | $84.47B |
| Q3 2025 | 49.01% | 47.75% | $22.82B | $80.89B |
| Q4 2025 | 48.99% | 49.07% | $13.30B | $70.67B |
| Q1 2026 | 48.36% | 49.97% | $40.29B | $79.62B |
| Q2 2026 | 48.93% | 51.27% | $29.83B | $92.73B |
Citibank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citibank, N.A., 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 Citibank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7213) · FFIEC NIC profile (RSSD 476810)