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 Loans and leases to core deposits: 16.93 percentage points higher than in Q1 2026, at 91.83%. Within Mississippi, Citizens Bank and Trust Company is 14th of 57 on loan-to-deposit ratio, 85.45% as of Q2 2026, above the middle of the field. Citizens Bank and Trust Company reported 85.45% on loan-to-deposit ratio for Q2 2026, 17.82 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.2M |
| Fed funds sold and reverse repos | $400K |
| Fed funds sold and reverse repos to assets | 0.41% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $150K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.45% |
| Net loans and leases to deposits | 83.18% |
| Loans and leases to core deposits | 91.83% |
| Core deposits to total deposits | 93.05% |
| Brokered deposits to total deposits | 3.21% |
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 | 74.67% | 97.44% | $0 | $7.7M |
| Q4 2023 | 63.11% | 97.51% | $0 | $7.7M |
| Q1 2024 | 66.95% | 97.79% | $0 | $7.7M |
| Q2 2024 | 83.15% | 96.98% | $0 | $7.7M |
| Q3 2024 | 89.75% | 94.51% | $0 | $5.2M |
| Q4 2024 | 73.69% | 95.37% | $0 | $188K |
| Q1 2025 | 69.85% | 95.05% | $0 | $181K |
| Q2 2025 | 80.45% | 94.11% | $0 | $175K |
| Q3 2025 | 84.30% | 96.23% | $0 | $167K |
| Q4 2025 | 74.53% | 96.44% | $0 | $163K |
| Q1 2026 | 72.30% | 96.53% | $1.0M | $157K |
| Q2 2026 | 85.45% | 93.05% | $0 | $150K |
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 9777) · FFIEC NIC profile (RSSD 729945)