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 Loans and leases to core deposits: 5.39 percentage points lower than in Q1 2026, at 70.05%. Citizens Bank ranks 223rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 64.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank sits 16.84 points lower, at 64.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.0M |
| 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 | $3.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.00% |
| Net loans and leases to deposits | 63.47% |
| Loans and leases to core deposits | 70.05% |
| Core deposits to total deposits | 91.36% |
| 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 | 83.01% | 96.95% | $0 | $7.0M |
| Q4 2023 | 75.17% | 96.01% | $0 | $5.6M |
| Q1 2024 | 78.15% | 94.83% | $0 | $6.7M |
| Q2 2024 | 81.68% | 94.65% | $0 | $5.1M |
| Q3 2024 | 80.51% | 94.64% | $0 | $4.4M |
| Q4 2024 | 73.01% | 94.64% | $0 | $3.2M |
| Q1 2025 | 73.29% | 94.41% | $0 | $5.2M |
| Q2 2025 | 76.00% | 90.38% | $0 | $4.4M |
| Q3 2025 | 70.78% | 89.93% | $0 | $3.1M |
| Q4 2025 | 66.35% | 90.42% | $0 | $3.1M |
| Q1 2026 | 68.78% | 91.17% | $0 | $4.0M |
| Q2 2026 | 64.00% | 91.36% | $0 | $3.6M |
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 3140) · FFIEC NIC profile (RSSD 885252)