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 45.7% in Q2 2026, from $28.2M to $15.3M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Citizens Bank is 120th of 153 on loan-to-deposit ratio, 76.17% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank sits 12.03 points lower, at 76.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.8M |
| Cash and noninterest-bearing balances to assets | 5.04% |
| Cash and securities | $372.7M |
| 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 | $15.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.17% |
| Net loans and leases to deposits | 75.26% |
| Loans and leases to core deposits | 81.82% |
| Core deposits to total deposits | 93.10% |
| 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 | 79.20% | 96.19% | $0 | $5.0M |
| Q4 2023 | 78.58% | 95.25% | $0 | $30.0M |
| Q1 2024 | 77.34% | 95.16% | $0 | $30.0M |
| Q2 2024 | 78.30% | 94.90% | $0 | $15.0M |
| Q3 2024 | 78.36% | 94.51% | $0 | $15.0M |
| Q4 2024 | 76.72% | 94.43% | $0 | $10.0M |
| Q1 2025 | 74.55% | 94.21% | $0 | $12.1M |
| Q2 2025 | 76.80% | 93.04% | $0 | $28.2M |
| Q3 2025 | 74.42% | 92.79% | $0 | $28.2M |
| Q4 2025 | 75.75% | 93.40% | $0 | $28.2M |
| Q1 2026 | 78.54% | 93.47% | $0 | $28.2M |
| Q2 2026 | 76.17% | 93.10% | $0 | $15.3M |
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 13055) · FFIEC NIC profile (RSSD 783844)