Citizens Bank of Eldon: 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: 13.6% lower than in Q1 2026, at $17.0M. Within Missouri, Citizens Bank of Eldon is 46th of 191 on loan-to-deposit ratio, 94.52% as of Q2 2026. Citizens Bank of Eldon reported 94.52% on loan-to-deposit ratio for Q2 2026, 13.96 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.5M |
| 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 | $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 | 94.52% |
| Net loans and leases to deposits | 93.29% |
| Loans and leases to core deposits | 103.12% |
| Core deposits to total deposits | 91.66% |
| 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 | 84.91% | 96.30% | $0 | $11.0M |
| Q4 2023 | 84.04% | 95.58% | $0 | $11.0M |
| Q1 2024 | 85.45% | 93.70% | $0 | $11.0M |
| Q2 2024 | 87.89% | 91.79% | $0 | $7.0M |
| Q3 2024 | 89.13% | 91.24% | $0 | $7.0M |
| Q4 2024 | 85.39% | 90.58% | $0 | $3.0M |
| Q1 2025 | 84.74% | 90.47% | $0 | $3.0M |
| Q2 2025 | 86.84% | 89.75% | $0 | $0 |
| Q3 2025 | 88.55% | 89.40% | $0 | $0 |
| Q4 2025 | 89.89% | 89.57% | $0 | $0 |
| Q1 2026 | 93.21% | 91.25% | $0 | $0 |
| Q2 2026 | 94.52% | 91.66% | $0 | $0 |
Citizens Bank of Eldon 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 Eldon, 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 Eldon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1956) · FFIEC NIC profile (RSSD 954251)