Citizens Bank of Ada: 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 Fed funds sold and reverse repos: 41.4% lower than in Q1 2026, at $14.9M. Citizens Bank of Ada ranks 136th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 61.51% (Q2 2026). Citizens Bank of Ada reported 61.51% on loan-to-deposit ratio for Q2 2026, 19.33 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $158.8M |
| Fed funds sold and reverse repos | $14.9M |
| Fed funds sold and reverse repos to assets | 4.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.5M |
| 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 | 61.51% |
| Net loans and leases to deposits | 60.76% |
| Loans and leases to core deposits | 63.06% |
| Core deposits to total deposits | 97.54% |
| Brokered deposits to total deposits | 5.68% |
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 | 63.29% | 99.35% | $16.6M | $0 |
| Q4 2023 | 62.67% | 99.38% | $13.1M | $0 |
| Q1 2024 | 61.80% | 99.40% | $17.8M | $0 |
| Q2 2024 | 63.28% | 99.40% | $13.0M | $0 |
| Q3 2024 | 65.56% | 99.39% | $14.1M | $0 |
| Q4 2024 | 61.10% | 99.44% | $12.1M | $0 |
| Q1 2025 | 62.04% | 99.52% | $12.0M | $0 |
| Q2 2025 | 64.03% | 97.57% | $9.8M | $0 |
| Q3 2025 | 63.02% | 97.58% | $8.6M | $0 |
| Q4 2025 | 60.27% | 97.73% | $7.4M | $0 |
| Q1 2026 | 62.40% | 97.59% | $8.5M | $0 |
| Q2 2026 | 61.51% | 97.54% | $6.5M | $0 |
Citizens Bank of Ada liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Ada, 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 of Ada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19679) · FFIEC NIC profile (RSSD 807656)