The Citizens Bank of Philadelphia: 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.
Fed funds purchased and repos climbed 61.5% in Q2 2026, from $77.8M to $125.7M. It was the largest change from Q1 2026 among the key lines here. The Citizens Bank of Philadelphia ranks 36th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 67.82% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Citizens Bank of Philadelphia sits 20.38 points lower, at 67.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $567.8M |
| 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 | $125.7M |
| 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 | 67.82% |
| Net loans and leases to deposits | 67.11% |
| Loans and leases to core deposits | 73.63% |
| Core deposits to total deposits | 92.11% |
| 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 | 49.16% | 93.49% | $151.1M | $0 |
| Q4 2023 | 54.86% | 92.94% | $158.1M | $0 |
| Q1 2024 | 55.13% | 92.12% | $173.3M | $0 |
| Q2 2024 | 58.06% | 92.09% | $205.6M | $0 |
| Q3 2024 | 65.11% | 91.43% | $290.8M | $0 |
| Q4 2024 | 71.49% | 91.05% | $311.6M | $0 |
| Q1 2025 | 65.33% | 92.74% | $265.9M | $0 |
| Q2 2025 | 64.64% | 92.75% | $284.6M | $0 |
| Q3 2025 | 70.28% | 92.32% | $313.5M | $0 |
| Q4 2025 | 62.97% | 92.66% | $74.2M | $0 |
| Q1 2026 | 62.83% | 92.38% | $77.8M | $0 |
| Q2 2026 | 67.82% | 92.11% | $125.7M | $0 |
The Citizens Bank of Philadelphia 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 Philadelphia, 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 Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12204) · FFIEC NIC profile (RSSD 29636)