Citizens 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.
Cash and balances due from depository institutions dropped 50.6% in Q2 2026, from $42.0M to $20.7M. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 97th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 65.24% (Q2 2026). Citizens Bank reported 65.24% on loan-to-deposit ratio for Q2 2026, 15.60 points below 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 | $20.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $350.3M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.24% |
| Net loans and leases to deposits | 64.44% |
| Loans and leases to core deposits | 83.14% |
| Core deposits to total deposits | 78.47% |
| 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 | 60.24% | 81.68% | $0 | $0 |
| Q4 2023 | 60.48% | 81.29% | $0 | $0 |
| Q1 2024 | 61.81% | 80.24% | $0 | $0 |
| Q2 2024 | 59.90% | 80.17% | $0 | $0 |
| Q3 2024 | 63.58% | 79.97% | $0 | $0 |
| Q4 2024 | 63.84% | 79.28% | $0 | $0 |
| Q1 2025 | 62.21% | 79.03% | $0 | $0 |
| Q2 2025 | 62.28% | 79.09% | $0 | $0 |
| Q3 2025 | 65.09% | 79.10% | $0 | $0 |
| Q4 2025 | 63.32% | 79.08% | $0 | $0 |
| Q1 2026 | 62.67% | 78.70% | $0 | $0 |
| Q2 2026 | 65.24% | 78.47% | $0 | $0 |
Citizens Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 893) · FFIEC NIC profile (RSSD 126834)