Citizens Bank of Rogersville: 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.
Cash and balances due from depository institutions climbed 37.4% in Q2 2026, from $7.7M to $10.6M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Citizens Bank of Rogersville is 80th of 192 on loan-to-deposit ratio, 87.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank of Rogersville sits 7.03 points higher, at 87.87% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.8M |
| 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 | $0 |
| Other borrowed money | $4.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.87% |
| Net loans and leases to deposits | 85.94% |
| Loans and leases to core deposits | 101.26% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 1.88% |
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 | 90.68% | 85.19% | $0 | $3.0M |
| Q4 2023 | 89.55% | 84.17% | $0 | $3.0M |
| Q1 2024 | 92.65% | 85.11% | $0 | $7.2M |
| Q2 2024 | 96.54% | 85.00% | $0 | $9.2M |
| Q3 2024 | 92.93% | 82.05% | $0 | $9.2M |
| Q4 2024 | 92.82% | 82.21% | $0 | $9.2M |
| Q1 2025 | 93.78% | 83.84% | $0 | $9.4M |
| Q2 2025 | 93.44% | 83.93% | $0 | $8.4M |
| Q3 2025 | 91.09% | 82.19% | $0 | $8.4M |
| Q4 2025 | 88.24% | 81.76% | $0 | $7.3M |
| Q1 2026 | 90.43% | 84.19% | $0 | $5.3M |
| Q2 2026 | 87.87% | 84.89% | $0 | $4.3M |
Citizens Bank of Rogersville 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 Rogersville, 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 Rogersville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8572) · FFIEC NIC profile (RSSD 246451)