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: 45.0% higher than in Q1 2026, at $3.1M. The Citizens Bank ranks 60th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 83.65% (Q2 2026). The Citizens Bank reported 83.65% on loan-to-deposit ratio for Q2 2026, 2.81 points above 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 | $28.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.1M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 1.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $27.2M |
| 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 | 83.65% |
| Net loans and leases to deposits | 82.83% |
| Loans and leases to core deposits | 85.83% |
| Core deposits to total deposits | 97.46% |
| 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 | 74.88% | 98.97% | $23.5M | $0 |
| Q4 2023 | 78.71% | 98.96% | $16.0M | $0 |
| Q1 2024 | 76.10% | 98.99% | $19.1M | $0 |
| Q2 2024 | 74.85% | 98.58% | $12.8M | $0 |
| Q3 2024 | 79.88% | 98.55% | $13.3M | $0 |
| Q4 2024 | 80.29% | 97.70% | $12.8M | $0 |
| Q1 2025 | 79.04% | 97.31% | $31.2M | $0 |
| Q2 2025 | 78.58% | 97.54% | $26.2M | $0 |
| Q3 2025 | 82.68% | 97.44% | $30.6M | $0 |
| Q4 2025 | 83.42% | 97.34% | $37.0M | $0 |
| Q1 2026 | 82.68% | 97.42% | $29.3M | $0 |
| Q2 2026 | 83.65% | 97.46% | $27.2M | $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 10520) · FFIEC NIC profile (RSSD 962313)