Citizens Bank & Trust Company: 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 Loans and leases to core deposits: 2.36 percentage points lower than in Q1 2026, at 70.19%. Within Arkansas, Citizens Bank & Trust Company is 69th of 78 on loan-to-deposit ratio, 61.77% 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 Company sits 19.07 points lower, at 61.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.7M |
| Cash and noninterest-bearing balances to assets | 15.14% |
| Cash and securities | $233.3M |
| 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 | $0 |
| 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 | 61.77% |
| Net loans and leases to deposits | 60.84% |
| Loans and leases to core deposits | 70.19% |
| Core deposits to total deposits | 88.01% |
| 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 | 59.87% | 93.00% | $0 | $0 |
| Q4 2023 | 59.88% | 93.13% | $0 | $0 |
| Q1 2024 | 60.36% | 91.31% | $0 | $0 |
| Q2 2024 | 59.77% | 88.80% | $0 | $0 |
| Q3 2024 | 60.84% | 89.01% | $0 | $0 |
| Q4 2024 | 64.24% | 88.79% | $0 | $0 |
| Q1 2025 | 64.43% | 90.10% | $0 | $0 |
| Q2 2025 | 65.24% | 88.87% | $0 | $0 |
| Q3 2025 | 65.95% | 88.21% | $0 | $0 |
| Q4 2025 | 63.88% | 87.84% | $0 | $0 |
| Q1 2026 | 63.50% | 87.53% | $0 | $0 |
| Q2 2026 | 61.77% | 88.01% | $0 | $0 |
Citizens Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8738) · FFIEC NIC profile (RSSD 192147)