Citizens Bank, N.A.: 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.
Other borrowed money climbed 45.8% in Q2 2026, from $7.90B to $11.51B. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank, N.A. is 1st from the bottom among 5 Rhode Island banks, 79.08% (Q2 2026). At 79.08%, Citizens Bank, N.A.'s loan-to-deposit ratio is close to the 81.12% median for banks in the $100B-250B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.34B |
| Cash and noninterest-bearing balances to assets | 5.74% |
| Cash and securities | $58.74B |
| 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 | $11.51B |
| Subordinated notes and debentures | $1.12B |
| Other borrowed money to assets | 4.95% |
| Trading liabilities | $1.01B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.08% |
| Net loans and leases to deposits | 78.03% |
| Loans and leases to core deposits | 82.03% |
| Core deposits to total deposits | 93.78% |
| Brokered deposits to total deposits | 2.62% |
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 | 83.10% | 91.96% | $215.0M | $14.26B |
| Q4 2023 | 81.29% | 90.04% | $0 | $10.89B |
| Q1 2024 | 80.18% | 90.81% | $0 | $10.74B |
| Q2 2024 | 79.29% | 90.59% | $0 | $9.69B |
| Q3 2024 | 79.63% | 91.51% | $0 | $9.85B |
| Q4 2024 | 78.77% | 92.66% | $0 | $8.33B |
| Q1 2025 | 77.48% | 92.39% | $0 | $7.44B |
| Q2 2025 | 79.17% | 93.45% | $0 | $7.68B |
| Q3 2025 | 77.46% | 93.54% | $0 | $5.73B |
| Q4 2025 | 77.36% | 93.86% | $0 | $6.93B |
| Q1 2026 | 77.88% | 93.68% | $0 | $7.90B |
| Q2 2026 | 79.08% | 93.78% | $0 | $11.51B |
Citizens Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57957) · FFIEC NIC profile (RSSD 3303298)