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.
Fed funds sold and reverse repos dropped 96.3% in Q2 2026, from $1.8M to $67K. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank is 1st from the bottom among 12 Oregon banks, 55.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank sits 25.38 points lower, at 55.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $382.6M |
| Fed funds sold and reverse repos | $67K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $22.8M |
| 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 | 55.46% |
| Net loans and leases to deposits | 54.53% |
| Loans and leases to core deposits | 55.54% |
| Core deposits to total deposits | 99.85% |
| 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 | 51.43% | 99.66% | $24.4M | $160.0M |
| Q4 2023 | 54.01% | 99.65% | $18.7M | $160.0M |
| Q1 2024 | 55.15% | 99.63% | $24.6M | $260.0M |
| Q2 2024 | 54.36% | 99.77% | $21.3M | $100.0M |
| Q3 2024 | 52.66% | 99.78% | $20.4M | $0 |
| Q4 2024 | 53.17% | 99.81% | $14.5M | $0 |
| Q1 2025 | 53.84% | 99.81% | $16.4M | $0 |
| Q2 2025 | 51.13% | 99.85% | $17.7M | $0 |
| Q3 2025 | 50.63% | 99.85% | $33.0M | $0 |
| Q4 2025 | 51.64% | 99.85% | $25.7M | $0 |
| Q1 2026 | 53.60% | 99.85% | $26.9M | $0 |
| Q2 2026 | 55.46% | 99.85% | $22.8M | $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 17809) · FFIEC NIC profile (RSSD 98463)