Citizens Bank of Morgantown, Inc.: 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: 39.1% lower than in Q1 2026, at $1.4M. Citizens Bank of Morgantown, Inc. ranks 6th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 93.48% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank of Morgantown, Inc. sits 25.86 points higher, at 93.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.4M |
| 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 | $200K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.48% |
| Net loans and leases to deposits | 91.65% |
| Loans and leases to core deposits | 104.85% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 2.36% |
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 | 93.48% | 87.54% | $0 | $3.2M |
| Q4 2023 | 92.95% | 88.38% | $0 | $1.8M |
| Q1 2024 | 92.35% | 87.60% | $0 | $1.6M |
| Q2 2024 | 90.67% | 87.95% | $0 | $188K |
| Q3 2024 | 92.75% | 87.52% | $0 | $1.6M |
| Q4 2024 | 90.73% | 86.77% | $0 | $1.1M |
| Q1 2025 | 87.57% | 87.94% | $0 | $0 |
| Q2 2025 | 87.57% | 88.43% | $0 | $0 |
| Q3 2025 | 86.41% | 87.76% | $0 | $0 |
| Q4 2025 | 91.95% | 88.80% | $0 | $0 |
| Q1 2026 | 90.59% | 89.48% | $0 | $0 |
| Q2 2026 | 93.48% | 89.16% | $0 | $200K |
Citizens Bank of Morgantown, Inc. 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 Morgantown, Inc., 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 Morgantown, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22954) · FFIEC NIC profile (RSSD 897237)