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 Fed funds sold and reverse repos: 24.9% lower than in Q1 2026, at $40.0M. Citizens Bank and Trust Company has the 6th lowest loan-to-deposit ratio of the 56 banks headquartered in Virginia, at 59.42% as of Q2 2026. Citizens Bank and Trust Company reported 59.42% on loan-to-deposit ratio for Q2 2026, 21.53 points below 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 | $47.2M |
| Cash and noninterest-bearing balances to assets | 1.25% |
| Cash and securities | $258.8M |
| Fed funds sold and reverse repos | $40.0M |
| Fed funds sold and reverse repos to assets | 6.92% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.0M |
| 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 | 59.42% |
| Net loans and leases to deposits | 58.66% |
| Loans and leases to core deposits | 67.00% |
| Core deposits to total deposits | 88.69% |
| 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 | 49.85% | 90.46% | $2.5M | $0 |
| Q4 2023 | 52.03% | 89.40% | $5.6M | $0 |
| Q1 2024 | 53.17% | 89.02% | $8.1M | $0 |
| Q2 2024 | 54.65% | 88.12% | $6.4M | $0 |
| Q3 2024 | 57.17% | 89.01% | $5.1M | $0 |
| Q4 2024 | 57.09% | 88.12% | $10.1M | $0 |
| Q1 2025 | 55.69% | 86.32% | $7.6M | $0 |
| Q2 2025 | 57.45% | 86.69% | $6.1M | $0 |
| Q3 2025 | 57.51% | 87.64% | $8.5M | $0 |
| Q4 2025 | 57.42% | 88.08% | $8.1M | $0 |
| Q1 2026 | 57.58% | 88.29% | $5.4M | $0 |
| Q2 2026 | 59.42% | 88.69% | $5.0M | $0 |
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 823) · FFIEC NIC profile (RSSD 991621)