Citizens Bank of Chatsworth: 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.
Loans and leases to core deposits climbed 6.21 percentage points in Q2 2026, from 54.98% to 61.19%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Citizens Bank of Chatsworth is 263rd of 323 on loan-to-deposit ratio, 54.49% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank of Chatsworth sits 13.13 points lower, at 54.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.5M |
| 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 | $812K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.49% |
| Net loans and leases to deposits | 53.90% |
| Loans and leases to core deposits | 61.19% |
| Core deposits to total deposits | 89.06% |
| 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 | 67.34% | 92.32% | $0 | $4.6M |
| Q4 2023 | 67.86% | 92.46% | $0 | $5.3M |
| Q1 2024 | 61.06% | 91.13% | $0 | $5.3M |
| Q2 2024 | 64.46% | 88.04% | $0 | $3.8M |
| Q3 2024 | 53.05% | 88.46% | $0 | $3.8M |
| Q4 2024 | 48.40% | 92.26% | $0 | $812K |
| Q1 2025 | 45.60% | 92.88% | $0 | $812K |
| Q2 2025 | 47.94% | 88.06% | $0 | $812K |
| Q3 2025 | 46.92% | 87.21% | $0 | $812K |
| Q4 2025 | 51.94% | 88.69% | $0 | $812K |
| Q1 2026 | 49.78% | 90.54% | $0 | $812K |
| Q2 2026 | 54.49% | 89.06% | $0 | $812K |
Citizens Bank of Chatsworth 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 Chatsworth, 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 Chatsworth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10843) · FFIEC NIC profile (RSSD 441135)