Citizens 1st 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 Fed funds purchased and repos: 42.9% lower than in Q1 2026, at $5.8M. Within Texas, Citizens 1st Bank is 139th of 346 on loan-to-deposit ratio, 78.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Citizens 1st Bank sits 2.71 points lower, at 78.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $322.4M |
| 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 | $5.8M |
| Other borrowed money | $38.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.23% |
| Net loans and leases to deposits | 77.81% |
| Loans and leases to core deposits | 118.16% |
| Core deposits to total deposits | 66.21% |
| 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 | 67.01% | 82.21% | $2.6M | $55.0M |
| Q4 2023 | 65.96% | 81.36% | $10.7M | $49.8M |
| Q1 2024 | 72.51% | 79.38% | $10.1M | $57.2M |
| Q2 2024 | 75.98% | 76.51% | $9.4M | $58.1M |
| Q3 2024 | 77.24% | 74.99% | $8.9M | $56.4M |
| Q4 2024 | 74.44% | 75.32% | $11.1M | $39.3M |
| Q1 2025 | 74.21% | 73.27% | $10.3M | $39.1M |
| Q2 2025 | 80.12% | 71.67% | $9.7M | $39.0M |
| Q3 2025 | 82.89% | 71.71% | $8.7M | $38.8M |
| Q4 2025 | 77.12% | 72.63% | $10.4M | $43.7M |
| Q1 2026 | 78.49% | 67.93% | $10.1M | $48.5M |
| Q2 2026 | 78.23% | 66.21% | $5.8M | $38.4M |
Citizens 1st Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 1st 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 Citizens 1st Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1715) · FFIEC NIC profile (RSSD 869663)