Citizens Bank of Edinburg: 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 dropped 4.29 percentage points in Q3 2026, from 37.99% to 33.71%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank of Edinburg is 6th from the bottom among 323 Illinois banks, 29.68% (Q3 2026). Against a median of 67.62% for banks in the < $100M asset tier, Citizens Bank of Edinburg reported 29.68% on loan-to-deposit ratio in Q3 2026, 37.94 points lower; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 29.68% |
| Net loans and leases to deposits | 29.12% |
| Loans and leases to core deposits | 33.71% |
| Core deposits to total deposits | 88.07% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 36.82% | 88.86% | $0 | $0 |
| Q1 2024 | 36.38% | 85.86% | $0 | $0 |
| Q2 2024 | 35.06% | 85.44% | $0 | $0 |
| Q3 2024 | 32.94% | 89.10% | $0 | $0 |
| Q4 2024 | 32.26% | 87.00% | $0 | $0 |
| Q1 2025 | 29.02% | 88.51% | $0 | $0 |
| Q2 2025 | 31.37% | 89.01% | $0 | $0 |
| Q3 2025 | 31.86% | 89.47% | $0 | $0 |
| Q4 2025 | 31.69% | 88.61% | $0 | $0 |
| Q1 2026 | 32.41% | 88.32% | $0 | $0 |
| Q2 2026 | 33.29% | 87.62% | $0 | $0 |
| Q3 2026 | 29.68% | 88.07% | $0 | $0 |
Citizens Bank of Edinburg 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 Edinburg, 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 Edinburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20454) · FFIEC NIC profile (RSSD 915935)