Citizens Bank of Las Cruces: 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Citizens Bank of Las Cruces ranks 5th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 82.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank of Las Cruces sits 5.57 points lower, at 82.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $282.3M |
| 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 | 82.63% |
| Net loans and leases to deposits | 81.50% |
| Loans and leases to core deposits | 83.63% |
| Core deposits to total deposits | 98.82% |
| 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 | 78.61% | 98.13% | $23.6M | $60.0M |
| Q4 2023 | 80.38% | 98.24% | $3.5M | $30.0M |
| Q1 2024 | 79.57% | 98.40% | $0 | $30.0M |
| Q2 2024 | 77.01% | 98.50% | $0 | $0 |
| Q3 2024 | 72.98% | 98.53% | $0 | $0 |
| Q4 2024 | 75.34% | 98.88% | $0 | $0 |
| Q1 2025 | 74.76% | 98.97% | $0 | $0 |
| Q2 2025 | 71.86% | 98.99% | $0 | $0 |
| Q3 2025 | 75.78% | 98.98% | $0 | $0 |
| Q4 2025 | 78.94% | 99.02% | $0 | $0 |
| Q1 2026 | 82.16% | 98.81% | $9.7M | $0 |
| Q2 2026 | 82.63% | 98.82% | $0 | $0 |
Citizens Bank of Las Cruces 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 Las Cruces, 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 Las Cruces profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20161) · FFIEC NIC profile (RSSD 1016857)