Citizens Alliance 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: 6.24 percentage points higher than in Q1 2026, at 96.43%. Within Minnesota, Citizens Alliance Bank is 102nd of 221 on loan-to-deposit ratio, 82.91% as of Q2 2026, above the middle of the field. Citizens Alliance Bank reported 82.91% on loan-to-deposit ratio for Q2 2026, 5.29 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 | $56.1M |
| Cash and noninterest-bearing balances to assets | 3.90% |
| Cash and securities | $343.8M |
| 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 | $66.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.91% |
| Net loans and leases to deposits | 81.98% |
| Loans and leases to core deposits | 96.43% |
| Core deposits to total deposits | 85.82% |
| Brokered deposits to total deposits | 6.71% |
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 | 72.36% | 92.51% | $0 | $101.0M |
| Q4 2023 | 67.93% | 94.95% | $0 | $76.1M |
| Q1 2024 | 70.51% | 94.44% | $0 | $102.2M |
| Q2 2024 | 70.93% | 91.88% | $0 | $102.2M |
| Q3 2024 | 71.94% | 93.47% | $0 | $62.2M |
| Q4 2024 | 70.93% | 95.12% | $0 | $62.2M |
| Q1 2025 | 68.87% | 93.73% | $0 | $48.1M |
| Q2 2025 | 75.14% | 79.05% | $0 | $48.1M |
| Q3 2025 | 81.47% | 84.78% | $0 | $110.1M |
| Q4 2025 | 77.59% | 83.14% | $0 | $48.1M |
| Q1 2026 | 78.12% | 86.37% | $0 | $48.0M |
| Q2 2026 | 82.91% | 85.82% | $0 | $66.0M |
Citizens Alliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1402) · FFIEC NIC profile (RSSD 279954)