Citizens Bank & Trust Co., Hutchinson, MINN.: 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 Cash and balances due from depository institutions: 459.6% higher than in Q1 2026, at $20.6M. Within Minnesota, Citizens Bank & Trust Co., Hutchinson, MINN. is 192nd of 221 on loan-to-deposit ratio, 55.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank & Trust Co., Hutchinson, MINN. sits 24.88 points lower, at 55.95% (Q2 2026).
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 | $148.7M |
| Fed funds sold and reverse repos | $16.5M |
| Fed funds sold and reverse repos to assets | 5.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.95% |
| Net loans and leases to deposits | 55.25% |
| Loans and leases to core deposits | 58.15% |
| Core deposits to total deposits | 96.23% |
| 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 | 55.67% | 97.29% | $0 | $23.0M |
| Q4 2023 | 57.37% | 97.42% | $0 | $17.0M |
| Q1 2024 | 56.44% | 87.63% | $0 | $13.0M |
| Q2 2024 | 58.25% | 92.87% | $2.0M | $13.0M |
| Q3 2024 | 60.66% | 94.09% | $0 | $30.2M |
| Q4 2024 | 58.36% | 94.64% | $0 | $20.2M |
| Q1 2025 | 57.32% | 92.60% | $0 | $14.1M |
| Q2 2025 | 51.64% | 94.03% | $0 | $11.6M |
| Q3 2025 | 55.96% | 92.12% | $0 | $13.6M |
| Q4 2025 | 56.15% | 94.51% | $0 | $11.0M |
| Q1 2026 | 60.89% | 94.11% | $11.5M | $13.6M |
| Q2 2026 | 55.95% | 96.23% | $0 | $13.6M |
Citizens Bank & Trust Co., Hutchinson, MINN. 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 Co., Hutchinson, MINN., 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 Co., Hutchinson, MINN. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10218) · FFIEC NIC profile (RSSD 56258)