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.
Other borrowed money dropped 36.1% in Q2 2026, from $47.0M to $30.0M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Bank is 19th of 109 on loan-to-deposit ratio, 95.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank sits 7.56 points higher, at 95.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $225.4M |
| Fed funds sold and reverse repos | $21.6M |
| Fed funds sold and reverse repos to assets | 1.52% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.0M |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.76% |
| Net loans and leases to deposits | 94.90% |
| Loans and leases to core deposits | 104.95% |
| Core deposits to total deposits | 86.35% |
| Brokered deposits to total deposits | 4.90% |
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 | 97.44% | 87.96% | $3.0M | $47K |
| Q4 2023 | 94.32% | 88.40% | $3.0M | $46K |
| Q1 2024 | 92.91% | 89.32% | $3.0M | $45K |
| Q2 2024 | 96.91% | 90.61% | $3.0M | $18.0M |
| Q3 2024 | 97.77% | 89.83% | $3.0M | $43K |
| Q4 2024 | 92.48% | 90.74% | $3.0M | $41K |
| Q1 2025 | 91.31% | 88.24% | $3.0M | $40K |
| Q2 2025 | 92.98% | 88.57% | $3.0M | $7.0M |
| Q3 2025 | 92.38% | 88.78% | $3.0M | $38K |
| Q4 2025 | 93.36% | 88.02% | $3.0M | $19.0M |
| Q1 2026 | 96.31% | 88.51% | $3.0M | $47.0M |
| Q2 2026 | 95.76% | 86.35% | $3.0M | $30.0M |
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 14851) · FFIEC NIC profile (RSSD 778738)