The Citizens Bank of Clovis: 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 Cash and balances due from depository institutions: 32.2% lower than in Q1 2026, at $27.6M. The Citizens Bank of Clovis ranks 10th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 69.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank of Clovis sits 11.46 points lower, at 69.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $166.7M |
| 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 | $15.6M |
| 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 | 69.38% |
| Net loans and leases to deposits | 68.56% |
| Loans and leases to core deposits | 83.78% |
| Core deposits to total deposits | 82.81% |
| Brokered deposits to total deposits | 6.60% |
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 | 72.02% | 89.07% | $16.3M | $30.0M |
| Q4 2023 | 73.94% | 89.33% | $17.8M | $30.0M |
| Q1 2024 | 73.44% | 89.64% | $23.1M | $30.0M |
| Q2 2024 | 75.34% | 85.38% | $19.2M | $15.0M |
| Q3 2024 | 78.61% | 87.93% | $24.4M | $15.0M |
| Q4 2024 | 73.33% | 71.81% | $18.0M | $15.0M |
| Q1 2025 | 77.13% | 71.86% | $18.9M | $15.0M |
| Q2 2025 | 74.60% | 76.42% | $17.0M | $15.0M |
| Q3 2025 | 74.91% | 78.52% | $31.1M | $0 |
| Q4 2025 | 67.83% | 81.62% | $18.8M | $0 |
| Q1 2026 | 71.28% | 82.67% | $21.5M | $0 |
| Q2 2026 | 69.38% | 82.81% | $15.6M | $0 |
The Citizens Bank of Clovis liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Clovis, 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 The Citizens Bank of Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11491) · FFIEC NIC profile (RSSD 710859)