Citizens Bank and Trust of Lebanon, Inc.: 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.
Cash and balances due from depository institutions climbed 21.3% in Q2 2026, from $17.3M to $21.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank and Trust of Lebanon, Inc. is 2nd from the bottom among 120 Kentucky banks, 34.35% (Q2 2026). Citizens Bank and Trust of Lebanon, Inc.'s loan-to-deposit ratio of 34.35% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 46.49 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.3M |
| Fed funds sold and reverse repos | $887K |
| Fed funds sold and reverse repos to assets | 0.51% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.6M |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 34.35% |
| Net loans and leases to deposits | 34.13% |
| Loans and leases to core deposits | 35.94% |
| Core deposits to total deposits | 95.55% |
| 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 | 28.62% | 98.01% | $1.8M | $585K |
| Q4 2023 | 28.02% | 97.51% | $1.9M | $565K |
| Q1 2024 | 29.45% | 97.13% | $1.9M | $544K |
| Q2 2024 | 30.77% | 96.75% | $1.8M | $494K |
| Q3 2024 | 33.16% | 96.25% | $1.7M | $454K |
| Q4 2024 | 32.47% | 96.37% | $1.7M | $435K |
| Q1 2025 | 32.02% | 95.86% | $1.5M | $417K |
| Q2 2025 | 34.48% | 94.93% | $1.5M | $375K |
| Q3 2025 | 33.17% | 95.01% | $1.4M | $3.3M |
| Q4 2025 | 33.80% | 95.21% | $1.5M | $3.3M |
| Q1 2026 | 35.26% | 95.32% | $1.5M | $3.3M |
| Q2 2026 | 34.35% | 95.55% | $1.6M | $3.3M |
Citizens Bank and Trust of Lebanon, Inc. 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 of Lebanon, Inc., 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 of Lebanon, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2753) · FFIEC NIC profile (RSSD 641449)