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 Fed funds sold and reverse repos: 30.6% higher than in Q1 2026, at $6.5M. On loan-to-deposit ratio, The Citizens Bank is 3rd from the bottom among 93 Alabama banks, 32.48% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, The Citizens Bank reported 32.48% on loan-to-deposit ratio in Q2 2026, 48.35 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.8M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 5.00% |
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 | 32.48% |
| Net loans and leases to deposits | 32.06% |
| Loans and leases to core deposits | 37.76% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 0.00% |
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 | 36.07% | 91.36% | $0 | $0 |
| Q4 2023 | 34.94% | 91.95% | $0 | $0 |
| Q1 2024 | 36.61% | 91.01% | $0 | $0 |
| Q2 2024 | 38.10% | 89.98% | $0 | $0 |
| Q3 2024 | 36.54% | 88.23% | $0 | $0 |
| Q4 2024 | 34.61% | 87.84% | $0 | $0 |
| Q1 2025 | 33.68% | 88.84% | $0 | $0 |
| Q2 2025 | 33.12% | 87.76% | $0 | $0 |
| Q3 2025 | 33.00% | 88.03% | $0 | $0 |
| Q4 2025 | 33.89% | 88.24% | $0 | $0 |
| Q1 2026 | 33.44% | 86.21% | $0 | $0 |
| Q2 2026 | 32.48% | 86.02% | $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 22358) · FFIEC NIC profile (RSSD 571135)