The Citizens Bank of Weston, 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.
Cash and balances due from depository institutions fell 6.6% from Q1 2026 to Q2 2026, ending at $26.4M against $28.2M. It was the largest change among the key lines on this page. Within West Virginia, The Citizens Bank of Weston, Inc. is 25th of 41 on loan-to-deposit ratio, 81.49% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; The Citizens Bank of Weston, Inc. reported 81.49% for Q2 2026, nearly level with it.
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 | $84.2M |
| 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 | $1.6M |
| 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 | 81.49% |
| Net loans and leases to deposits | 80.41% |
| Loans and leases to core deposits | 88.25% |
| Core deposits to total deposits | 92.34% |
| Brokered deposits to total deposits | 0.37% |
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 | 83.44% | 96.57% | $1.9M | $20.0M |
| Q4 2023 | 85.10% | 95.84% | $2.0M | $20.0M |
| Q1 2024 | 84.09% | 91.78% | $1.8M | $20.0M |
| Q2 2024 | 90.57% | 91.59% | $1.3M | $24.0M |
| Q3 2024 | 85.56% | 91.57% | $1.3M | $17.0M |
| Q4 2024 | 87.31% | 92.21% | $1.2M | $6.0M |
| Q1 2025 | 86.70% | 92.29% | $1.9M | $6.0M |
| Q2 2025 | 86.76% | 92.40% | $1.7M | $6.0M |
| Q3 2025 | 81.73% | 92.34% | $1.5M | $0 |
| Q4 2025 | 80.76% | 92.23% | $1.7M | $0 |
| Q1 2026 | 81.70% | 92.08% | $1.7M | $0 |
| Q2 2026 | 81.49% | 92.34% | $1.6M | $0 |
The Citizens Bank of Weston, Inc. 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 Weston, 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 The Citizens Bank of Weston, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19674) · FFIEC NIC profile (RSSD 639633)