Citizens Bank Minnesota: 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 Other borrowed money: 96.9% higher than in Q1 2026, at $29.0M. Citizens Bank Minnesota ranks 111th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 81.11% (Q2 2026). At 81.11%, Citizens Bank Minnesota's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.2M |
| Cash and noninterest-bearing balances to assets | 1.04% |
| Cash and securities | $162.8M |
| 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 | $10.3M |
| Other borrowed money | $29.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.11% |
| Net loans and leases to deposits | 80.52% |
| Loans and leases to core deposits | 85.50% |
| Core deposits to total deposits | 94.86% |
| 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 | 75.63% | 95.65% | $12.4M | $25.4M |
| Q4 2023 | 76.39% | 95.50% | $12.9M | $22.7M |
| Q1 2024 | 76.56% | 95.59% | $13.2M | $17.6M |
| Q2 2024 | 80.93% | 95.54% | $13.7M | $22.9M |
| Q3 2024 | 80.53% | 95.42% | $6.8M | $27.9M |
| Q4 2024 | 81.77% | 95.38% | $6.8M | $31.6M |
| Q1 2025 | 76.80% | 95.00% | $7.2M | $15.0M |
| Q2 2025 | 79.34% | 94.93% | $7.8M | $25.6M |
| Q3 2025 | 80.18% | 94.65% | $8.1M | $32.6M |
| Q4 2025 | 80.16% | 94.83% | $10.4M | $19.8M |
| Q1 2026 | 78.84% | 95.15% | $10.5M | $14.7M |
| Q2 2026 | 81.11% | 94.86% | $10.3M | $29.0M |
Citizens Bank Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8200) · FFIEC NIC profile (RSSD 874050)