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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 54.7% higher than in Q1 2026, at $34.3M. Within Texas, Citizens Bank is 164th of 346 on loan-to-deposit ratio, 74.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens Bank sits 6.47 points lower, at 74.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $100.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $152.7M |
| Fed funds sold and reverse repos | $34.3M |
| Fed funds sold and reverse repos to assets | 7.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.08% |
| Net loans and leases to deposits | 72.24% |
| Loans and leases to core deposits | 87.64% |
| Core deposits to total deposits | 84.53% |
| Brokered deposits to total deposits | 6.79% |
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 | 63.59% | 93.81% | $0 | $113K |
| Q4 2023 | 66.75% | 93.96% | $0 | $96K |
| Q1 2024 | 65.14% | 94.15% | $0 | $78K |
| Q2 2024 | 66.58% | 92.41% | $0 | $60K |
| Q3 2024 | 64.60% | 92.40% | $0 | $42K |
| Q4 2024 | 68.42% | 91.76% | $0 | $24K |
| Q1 2025 | 69.01% | 90.92% | $0 | $6K |
| Q2 2025 | 74.13% | 90.89% | $0 | $0 |
| Q3 2025 | 74.97% | 91.82% | $0 | $0 |
| Q4 2025 | 73.92% | 91.29% | $0 | $0 |
| Q1 2026 | 74.77% | 84.45% | $0 | $15.6M |
| Q2 2026 | 74.08% | 84.53% | $0 | $10.7M |
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 16817) · FFIEC NIC profile (RSSD 744854)