Citizens Bank and Trust Company: 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 Other borrowed money: 870.0% higher than in Q1 2026, at $14.0M. Citizens Bank and Trust Company ranks 31st of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 89.57% (Q2 2026). Citizens Bank and Trust Company reported 89.57% on loan-to-deposit ratio for Q2 2026, 8.62 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.4M |
| 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 | $0 |
| Other borrowed money | $14.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.57% |
| Net loans and leases to deposits | 88.66% |
| Loans and leases to core deposits | 95.42% |
| Core deposits to total deposits | 93.87% |
| 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 | 80.29% | 95.08% | $0 | $11.5M |
| Q4 2023 | 73.42% | 95.08% | $6.4M | $1.5M |
| Q1 2024 | 80.31% | 94.26% | $0 | $1.5M |
| Q2 2024 | 83.24% | 92.48% | $0 | $15.0M |
| Q3 2024 | 82.99% | 91.62% | $0 | $0 |
| Q4 2024 | 77.34% | 91.88% | $0 | $0 |
| Q1 2025 | 85.58% | 95.48% | $0 | $0 |
| Q2 2025 | 89.80% | 94.25% | $0 | $10.0M |
| Q3 2025 | 93.29% | 92.85% | $1.2M | $30.0M |
| Q4 2025 | 81.31% | 93.78% | $0 | $0 |
| Q1 2026 | 85.29% | 94.69% | $0 | $1.4M |
| Q2 2026 | 89.57% | 93.87% | $0 | $14.0M |
Citizens Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1376) · FFIEC NIC profile (RSSD 357937)