The Citizens Bank of Winfield: 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 Loans and leases to core deposits: 4.04 percentage points higher than in Q1 2026, at 71.86%. Within Alabama, The Citizens Bank of Winfield is 72nd of 93 on loan-to-deposit ratio, 52.72% as of Q2 2026, below the middle of the field. The Citizens Bank of Winfield reported 52.72% on loan-to-deposit ratio for Q2 2026, 28.12 points below 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 | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $157.9M |
| 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 | $54.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.72% |
| Net loans and leases to deposits | 52.17% |
| Loans and leases to core deposits | 71.86% |
| Core deposits to total deposits | 71.53% |
| Brokered deposits to total deposits | 1.82% |
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 | 32.08% | 62.24% | $0 | $73.5M |
| Q4 2023 | 31.52% | 58.87% | $0 | $69.0M |
| Q1 2024 | 30.32% | 55.23% | $0 | $21.2M |
| Q2 2024 | 37.47% | 65.98% | $0 | $62.0M |
| Q3 2024 | 37.91% | 65.10% | $0 | $51.8M |
| Q4 2024 | 39.35% | 64.40% | $0 | $17.0M |
| Q1 2025 | 41.91% | 68.25% | $0 | $27.0M |
| Q2 2025 | 46.48% | 73.45% | $0 | $46.0M |
| Q3 2025 | 45.91% | 68.77% | $0 | $35.0M |
| Q4 2025 | 50.79% | 66.78% | $0 | $43.0M |
| Q1 2026 | 51.88% | 71.86% | $0 | $44.5M |
| Q2 2026 | 52.72% | 71.53% | $0 | $54.0M |
The Citizens Bank of Winfield 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 Winfield, 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 Winfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 52) · FFIEC NIC profile (RSSD 293437)