Citizens and Farmers 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 Other borrowed money: 39.5% higher than in Q1 2026, at $52.7M. Within Virginia, Citizens and Farmers Bank is 20th of 56 on loan-to-deposit ratio, 90.69% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Citizens and Farmers Bank reported 90.69% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $523.8M |
| Fed funds sold and reverse repos | $19K |
| 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 | $52.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.69% |
| Net loans and leases to deposits | 89.03% |
| Loans and leases to core deposits | 104.12% |
| Core deposits to total deposits | 86.35% |
| Brokered deposits to total deposits | 0.75% |
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 | 85.32% | 90.09% | $28.7M | $73.0M |
| Q4 2023 | 84.42% | 89.37% | $30.7M | $33.4M |
| Q1 2024 | 87.58% | 88.28% | $27.8M | $48.4M |
| Q2 2024 | 89.61% | 87.04% | $25.0M | $48.3M |
| Q3 2024 | 91.02% | 86.90% | $28.6M | $68.2M |
| Q4 2024 | 88.96% | 87.00% | $29.0M | $48.2M |
| Q1 2025 | 88.53% | 87.21% | $25.9M | $48.1M |
| Q2 2025 | 90.04% | 86.98% | $20.6M | $60.0M |
| Q3 2025 | 88.47% | 86.99% | $0 | $47.9M |
| Q4 2025 | 88.92% | 86.47% | $0 | $47.8M |
| Q1 2026 | 88.39% | 85.95% | $0 | $37.8M |
| Q2 2026 | 90.69% | 86.35% | $0 | $52.7M |
Citizens and Farmers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens and Farmers 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 and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10363) · FFIEC NIC profile (RSSD 928421)