Citizens Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 3.41 percentage points in Q2 2026, from 29.80% to 26.39%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens Bank is 160th of 346 on total deposits, $441.6M as of Q2 2026. Citizens Bank's total deposits of $441.6M is well above the $276.0M median for banks in the $100M-1B asset tier, a gap of 60% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $441.6M |
| Domestic office deposits | $441.6M |
| Foreign office deposits | — |
| Deposits to total assets | 90.34% |
| Deposits to total liabilities | 96.94% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $116.5M |
| Savings deposits | $24.3M |
| Transaction accounts to domestic deposits | 57.65% |
| Time deposits | $25K |
| Time deposits under $100k | $14.4M |
| Time deposits $100k to $250k | $26.0M |
| Time deposits over $250k | $68.3M |
| Noninterest-bearing share of deposits | 26.39% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $373.3M |
| Core deposits to total deposits | 84.53% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $30.0M |
| Brokered deposits to total deposits | 6.79% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.33% |
| Interest expense on deposits | $1.9M |
| Loans and leases to core deposits | 87.64% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $430.5M | 93.81% | 0.00% | 1.04% |
| Q4 2023 | $411.4M | 93.96% | 0.00% | 1.21% |
| Q1 2024 | $417.1M | 94.15% | 0.00% | 1.44% |
| Q2 2024 | $404.7M | 92.41% | 0.00% | 1.80% |
| Q3 2024 | $413.1M | 92.40% | 0.00% | 2.34% |
| Q4 2024 | $409.2M | 91.76% | 0.00% | 2.28% |
| Q1 2025 | $414.9M | 90.92% | 0.00% | 2.20% |
| Q2 2025 | $414.6M | 90.89% | 0.00% | 2.22% |
| Q3 2025 | $422.7M | 91.82% | 0.00% | 2.24% |
| Q4 2025 | $433.7M | 91.29% | 0.00% | 2.18% |
| Q1 2026 | $444.2M | 84.45% | 6.75% | 2.20% |
| Q2 2026 | $441.6M | 84.53% | 6.79% | 2.33% |
Citizens Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 16817) · FFIEC NIC profile (RSSD 744854)