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.
Loans and leases to core deposits climbed 6.24 percentage points in Q2 2026, from 97.45% to 103.70%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Citizens Bank is 22nd of 192 on loan-to-deposit ratio, 99.59% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank sits 18.75 points higher, at 99.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.4M |
| 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 | $1.6M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.59% |
| Net loans and leases to deposits | 98.51% |
| Loans and leases to core deposits | 103.70% |
| Core deposits to total deposits | 96.04% |
| 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 | 85.67% | 97.80% | $1.9M | $2.0M |
| Q4 2023 | 88.21% | 97.46% | $499K | $6.0M |
| Q1 2024 | 86.28% | 96.95% | $0 | $0 |
| Q2 2024 | 92.01% | 96.74% | $1.0M | $0 |
| Q3 2024 | 91.21% | 94.40% | $0 | $1.0M |
| Q4 2024 | 91.70% | 95.13% | $0 | $0 |
| Q1 2025 | 90.72% | 96.43% | $0 | $0 |
| Q2 2025 | 94.27% | 96.47% | $0 | $0 |
| Q3 2025 | 95.23% | 96.30% | $0 | $0 |
| Q4 2025 | 99.28% | 96.01% | $2.8M | $0 |
| Q1 2026 | 93.79% | 96.24% | $0 | $0 |
| Q2 2026 | 99.59% | 96.04% | $1.6M | $0 |
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 22601) · FFIEC NIC profile (RSSD 97457)