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: 100.0% lower than in Q1 2026, at $0. Within Kentucky, The Citizens Bank is 47th of 120 on loan-to-deposit ratio, 86.10% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank sits 5.26 points higher, at 86.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.1M |
| 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 | $438K |
| 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 | 86.10% |
| Net loans and leases to deposits | 85.22% |
| Loans and leases to core deposits | 96.42% |
| Core deposits to total deposits | 89.30% |
| 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 | 87.19% | 93.62% | $7.3M | $5.6M |
| Q4 2023 | 80.88% | 93.21% | $2.4M | $500K |
| Q1 2024 | 83.28% | 92.39% | $3.3M | $500K |
| Q2 2024 | 87.58% | 91.39% | $6.0M | $4.5M |
| Q3 2024 | 88.58% | 91.22% | $11.3M | $500K |
| Q4 2024 | 81.30% | 90.08% | $0 | $400K |
| Q1 2025 | 79.43% | 90.86% | $0 | $400K |
| Q2 2025 | 78.23% | 90.53% | $0 | $400K |
| Q3 2025 | 78.94% | 90.92% | $0 | $0 |
| Q4 2025 | 82.29% | 91.09% | $1.5M | $0 |
| Q1 2026 | 81.79% | 90.21% | $0 | $0 |
| Q2 2026 | 86.10% | 89.30% | $438K | $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 9306) · FFIEC NIC profile (RSSD 617145)