Citizens Bank of West Virginia, 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 Other borrowed money: 68.5% higher than in Q1 2026, at $9.2M. Citizens Bank of West Virginia, Inc. ranks 9th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 90.00% (Q2 2026). Citizens Bank of West Virginia, Inc. reported 90.00% on loan-to-deposit ratio for Q2 2026, 9.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $127.6M |
| 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 | $1.3M |
| Other borrowed money | $9.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Net loans and leases to deposits | 89.07% |
| Loans and leases to core deposits | 97.54% |
| Core deposits to total deposits | 89.26% |
| Brokered deposits to total deposits | 3.01% |
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 | 92.64% | 87.36% | $6.6M | $11.4M |
| Q4 2023 | 90.79% | 84.44% | $3.9M | $7.7M |
| Q1 2024 | 92.93% | 87.66% | $1.3M | $32.4M |
| Q2 2024 | 94.15% | 86.47% | $1.7M | $32.2M |
| Q3 2024 | 93.49% | 87.82% | $576K | $32.0M |
| Q4 2024 | 92.92% | 86.84% | $494K | $6.7M |
| Q1 2025 | 88.45% | 86.86% | $534K | $6.5M |
| Q2 2025 | 89.77% | 87.97% | $1.4M | $6.2M |
| Q3 2025 | 91.24% | 88.11% | $474K | $6.0M |
| Q4 2025 | 90.10% | 88.27% | $846K | $5.7M |
| Q1 2026 | 84.79% | 89.71% | $461K | $5.5M |
| Q2 2026 | 90.00% | 89.26% | $1.3M | $9.2M |
Citizens Bank of West Virginia, 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 West Virginia, 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 West Virginia, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6760) · FFIEC NIC profile (RSSD 481627)