The Citizens Bank 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.
Fed funds purchased and repos dropped 100.0% in Q2 2026, from $2.3M to $0. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Citizens Bank Company is 128th of 156 on loan-to-deposit ratio, 65.71% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank Company sits 15.13 points lower, at 65.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.6M |
| Fed funds sold and reverse repos | $466K |
| Fed funds sold and reverse repos to assets | 0.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 65.71% |
| Net loans and leases to deposits | 63.78% |
| Loans and leases to core deposits | 71.21% |
| Core deposits to total deposits | 89.72% |
| Brokered deposits to total deposits | 2.56% |
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 | 70.17% | 90.02% | $0 | $8.5M |
| Q4 2023 | 72.24% | 90.36% | $198K | $10.6M |
| Q1 2024 | 71.29% | 89.24% | $0 | $11.0M |
| Q2 2024 | 72.08% | 89.10% | $3.8M | $10.4M |
| Q3 2024 | 70.98% | 85.87% | $0 | $11.0M |
| Q4 2024 | 71.26% | 86.44% | $1.0M | $11.0M |
| Q1 2025 | 69.51% | 86.81% | $0 | $5.0M |
| Q2 2025 | 71.72% | 88.17% | $3.9M | $8.7M |
| Q3 2025 | 68.46% | 85.41% | $0 | $2.0M |
| Q4 2025 | 66.13% | 86.24% | $0 | $0 |
| Q1 2026 | 67.93% | 87.91% | $2.3M | $0 |
| Q2 2026 | 65.71% | 89.72% | $0 | $0 |
The Citizens Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank 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 The Citizens Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10266) · FFIEC NIC profile (RSSD 1010015)