Citizens' Bank of Charleston: 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 sold and reverse repos climbed 109.9% in Q2 2026, from $3.1M to $6.5M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens' Bank of Charleston ranks 18th highest among the 192 banks headquartered in Missouri, at 102.71% (Q2 2026). Citizens' Bank of Charleston reported 102.71% on loan-to-deposit ratio for Q2 2026, 21.76 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.2M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 3.49% |
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 | 102.71% |
| Net loans and leases to deposits | 101.50% |
| Loans and leases to core deposits | 118.41% |
| Core deposits to total deposits | 86.74% |
| 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 | 86.97% | 93.97% | $0 | $0 |
| Q4 2023 | 81.23% | 93.20% | $0 | $0 |
| Q1 2024 | 79.84% | 92.48% | $0 | $0 |
| Q2 2024 | 88.93% | 91.45% | $0 | $0 |
| Q3 2024 | 89.45% | 90.16% | $0 | $0 |
| Q4 2024 | 82.13% | 89.56% | $0 | $0 |
| Q1 2025 | 85.65% | 88.48% | $0 | $0 |
| Q2 2025 | 100.92% | 86.69% | $0 | $0 |
| Q3 2025 | 101.79% | 87.22% | $0 | $0 |
| Q4 2025 | 91.46% | 86.64% | $0 | $0 |
| Q1 2026 | 95.89% | 87.16% | $0 | $0 |
| Q2 2026 | 102.71% | 86.74% | $0 | $0 |
Citizens' Bank of Charleston 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 Charleston, 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 Charleston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17830) · FFIEC NIC profile (RSSD 376947)