The Citizens Bank of Edmond: 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 Loans and leases to core deposits: 8.66 percentage points higher than in Q1 2026, at 104.93%. Within Oklahoma, The Citizens Bank of Edmond is 24th of 169 on loan-to-deposit ratio, 97.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank of Edmond sits 16.20 points higher, at 97.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.4M |
| 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 | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.85% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.03% |
| Net loans and leases to deposits | 96.17% |
| Loans and leases to core deposits | 104.93% |
| Core deposits to total deposits | 92.48% |
| 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 | 100.43% | 96.12% | $0 | $24.7M |
| Q4 2023 | 98.15% | 90.52% | $0 | $28.3M |
| Q1 2024 | 91.76% | 93.83% | $0 | $7.1M |
| Q2 2024 | 89.99% | 92.61% | $0 | $5.0M |
| Q3 2024 | 94.10% | 92.08% | $0 | $15.2M |
| Q4 2024 | 98.13% | 92.62% | $0 | $29.6M |
| Q1 2025 | 90.54% | 92.91% | $0 | $5.0M |
| Q2 2025 | 93.04% | 93.04% | $84K | $5.0M |
| Q3 2025 | 91.78% | 92.27% | $0 | $5.0M |
| Q4 2025 | 91.14% | 91.57% | $1K | $5.0M |
| Q1 2026 | 88.85% | 92.30% | $0 | $5.0M |
| Q2 2026 | 97.03% | 92.48% | $0 | $8.0M |
The Citizens Bank of Edmond 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 Edmond, 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 Edmond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4084) · FFIEC NIC profile (RSSD 172457)