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.
Loans and leases to core deposits climbed 3.67 percentage points in Q2 2026, from 63.47% to 67.14%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank & Trust is 20th from the bottom among 192 Missouri banks, 56.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Citizens Bank & Trust sits 24.40 points lower, at 56.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.1M |
| 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 | $1.3M |
| 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 | 56.54% |
| Net loans and leases to deposits | 55.94% |
| Loans and leases to core deposits | 67.14% |
| Core deposits to total deposits | 84.22% |
| 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 | 53.16% | 86.77% | $2.6M | $0 |
| Q4 2023 | 45.67% | 88.16% | $2.3M | $0 |
| Q1 2024 | 44.48% | 84.44% | $1.0M | $0 |
| Q2 2024 | 48.30% | 84.17% | $1.7M | $0 |
| Q3 2024 | 55.38% | 84.69% | $2.1M | $0 |
| Q4 2024 | 54.23% | 88.46% | $2.7M | $0 |
| Q1 2025 | 51.29% | 85.16% | $2.0M | $0 |
| Q2 2025 | 55.96% | 84.39% | $2.2M | $0 |
| Q3 2025 | 59.96% | 83.57% | $2.5M | $0 |
| Q4 2025 | 53.26% | 86.54% | $2.0M | $0 |
| Q1 2026 | 52.90% | 83.34% | $1.0M | $0 |
| Q2 2026 | 56.54% | 84.22% | $1.3M | $0 |
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 14293) · FFIEC NIC profile (RSSD 964250)