Citizens Bank of Kansas: 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: 24.0% lower than in Q1 2026, at $37.3M. Citizens Bank of Kansas has the 19th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 47.95% as of Q2 2026. Citizens Bank of Kansas reported 47.95% on loan-to-deposit ratio for Q2 2026, 33.00 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $275.1M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.95% |
| Net loans and leases to deposits | 47.44% |
| Loans and leases to core deposits | 49.83% |
| Core deposits to total deposits | 96.21% |
| 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 | 54.57% | 95.31% | $0 | $41.5M |
| Q4 2023 | 53.30% | 96.73% | $0 | $17.5M |
| Q1 2024 | 50.95% | 96.58% | $0 | $17.5M |
| Q2 2024 | 50.48% | 96.24% | $0 | $17.5M |
| Q3 2024 | 51.09% | 95.97% | $0 | $17.5M |
| Q4 2024 | 53.78% | 96.17% | $0 | $21.5M |
| Q1 2025 | 51.09% | 96.24% | $0 | $17.5M |
| Q2 2025 | 51.80% | 96.02% | $0 | $17.5M |
| Q3 2025 | 51.42% | 96.01% | $0 | $15.0M |
| Q4 2025 | 50.74% | 96.50% | $0 | $15.0M |
| Q1 2026 | 47.82% | 96.40% | $0 | $15.0M |
| Q2 2026 | 47.95% | 96.21% | $0 | $15.0M |
Citizens Bank of Kansas 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 Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4707) · FFIEC NIC profile (RSSD 1014853)