The Citizens Bank: 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: 100.0% lower than in Q1 2026, at $0. Within Alabama, The Citizens Bank is 28th of 93 on loan-to-deposit ratio, 78.27% as of Q2 2026, above the middle of the field. The Citizens Bank reported 78.27% on loan-to-deposit ratio for Q2 2026, 2.57 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 | $25.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.9M |
| 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 | $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 | 78.27% |
| Net loans and leases to deposits | 77.43% |
| Loans and leases to core deposits | 88.62% |
| Core deposits to total deposits | 84.48% |
| Brokered deposits to total deposits | 3.83% |
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 | 79.59% | 85.93% | $1.2M | $13.0M |
| Q4 2023 | 74.08% | 77.74% | $0 | $8.0M |
| Q1 2024 | 76.12% | 77.35% | $0 | $8.0M |
| Q2 2024 | 76.64% | 77.18% | $0 | $8.0M |
| Q3 2024 | 75.64% | 79.05% | $0 | $0 |
| Q4 2024 | 77.26% | 82.25% | $0 | $0 |
| Q1 2025 | 76.36% | 84.17% | $0 | $0 |
| Q2 2025 | 73.24% | 92.15% | $0 | $0 |
| Q3 2025 | 77.56% | 91.79% | $0 | $0 |
| Q4 2025 | 91.75% | 87.50% | $8.0M | $20.0M |
| Q1 2026 | 82.74% | 86.00% | $0 | $20.0M |
| Q2 2026 | 78.27% | 84.48% | $0 | $0 |
The Citizens Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16369) · FFIEC NIC profile (RSSD 374130)