Citizens Bank & Trust: 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 purchased and repos: 55.2% lower than in Q1 2026, at $2.8M. Within Alabama, Citizens Bank & Trust is 69th of 93 on loan-to-deposit ratio, 56.58% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank & Trust sits 31.62 points lower, at 56.58% (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 | $497.7M |
| Fed funds sold and reverse repos | $6.4M |
| Fed funds sold and reverse repos to assets | 0.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.8M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.58% |
| Net loans and leases to deposits | 55.99% |
| Loans and leases to core deposits | 61.34% |
| Core deposits to total deposits | 92.24% |
| 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 | 64.12% | 83.79% | $29.8M | $85.0M |
| Q4 2023 | 68.42% | 85.15% | $9.4M | $140.0M |
| Q1 2024 | 66.77% | 88.01% | $9.9M | $145.0M |
| Q2 2024 | 63.53% | 88.41% | $9.3M | $75.0M |
| Q3 2024 | 62.92% | 88.92% | $2.7M | $70.0M |
| Q4 2024 | 63.37% | 88.47% | $1.9M | $55.0M |
| Q1 2025 | 60.55% | 89.20% | $4.0M | $35.0M |
| Q2 2025 | 61.41% | 89.56% | $3.4M | $20.0M |
| Q3 2025 | 61.28% | 90.21% | $2.9M | $20.0M |
| Q4 2025 | 63.44% | 90.80% | $2.2M | $15.0M |
| Q1 2026 | 57.43% | 90.51% | $6.2M | $15.0M |
| Q2 2026 | 56.58% | 92.24% | $2.8M | $15.0M |
Citizens Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)