Citizens Bank of the Midwest: 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 Loan-to-deposit ratio: 7.07 percentage points higher than in Q1 2026, at 86.64%. Within Missouri, Citizens Bank of the Midwest is 89th of 192 on loan-to-deposit ratio, 86.64% 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 the Midwest sits 5.81 points higher, at 86.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.4M |
| 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 | $30.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.64% |
| Net loans and leases to deposits | 85.54% |
| Loans and leases to core deposits | 105.99% |
| Core deposits to total deposits | 81.75% |
| Brokered deposits to total deposits | 13.04% |
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 | 94.42% | 92.99% | $13.7M | $28.7M |
| Q4 2023 | 87.57% | 81.87% | $0 | $28.7M |
| Q1 2024 | 87.94% | 88.44% | $7.8M | $20.7M |
| Q2 2024 | 87.05% | 87.96% | $11.8M | $15.6M |
| Q3 2024 | 89.78% | 82.70% | $15.1M | $15.6M |
| Q4 2024 | 83.44% | 76.15% | $0 | $18.2M |
| Q1 2025 | 78.97% | 76.54% | $0 | $15.6M |
| Q2 2025 | 82.49% | 72.27% | $0 | $25.6M |
| Q3 2025 | 86.27% | 71.37% | $0 | $33.1M |
| Q4 2025 | 84.55% | 71.66% | $0 | $30.1M |
| Q1 2026 | 79.57% | 76.58% | $0 | $25.6M |
| Q2 2026 | 86.64% | 81.75% | $0 | $30.9M |
Citizens Bank of the Midwest 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 the Midwest, 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 the Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16126) · FFIEC NIC profile (RSSD 44750)