Citizens' Bank, 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 dropped 34.8% in Q2 2026, from $10.6M to $6.9M. It was the largest change from Q1 2026 among the key lines here. Citizens' Bank, Inc. ranks 63rd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 59.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens' Bank, Inc. sits 21.06 points lower, at 59.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.2M |
| 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 | $88K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.78% |
| Net loans and leases to deposits | 59.12% |
| Loans and leases to core deposits | 64.14% |
| Core deposits to total deposits | 93.20% |
| Brokered deposits to total deposits | 7.76% |
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 | 53.66% | 85.07% | $0 | $0 |
| Q4 2023 | 53.84% | 84.81% | $0 | $0 |
| Q1 2024 | 54.17% | 87.11% | $0 | $0 |
| Q2 2024 | 56.18% | 86.40% | $0 | $0 |
| Q3 2024 | 56.68% | 86.05% | $113K | $0 |
| Q4 2024 | 56.74% | 86.21% | $0 | $0 |
| Q1 2025 | 57.16% | 85.45% | $0 | $0 |
| Q2 2025 | 56.15% | 85.79% | $0 | $0 |
| Q3 2025 | 59.06% | 85.36% | $2.3M | $1.6M |
| Q4 2025 | 61.85% | 85.03% | $1.1M | $0 |
| Q1 2026 | 58.46% | 93.44% | $0 | $0 |
| Q2 2026 | 59.78% | 93.20% | $0 | $88K |
Citizens' Bank, 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, 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23523) · FFIEC NIC profile (RSSD 563336)