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.
Cash and balances due from depository institutions dropped 13.6% in Q2 2026, from $44.2M to $38.2M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Citizens Bank & Trust Company is 71st of 103 on loan-to-deposit ratio, 71.31% 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 9.53 points lower, at 71.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.0M |
| 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 | 71.31% |
| Net loans and leases to deposits | 70.35% |
| Loans and leases to core deposits | 83.34% |
| Core deposits to total deposits | 85.57% |
| 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 | 90.25% | 90.16% | $0 | $10.0M |
| Q4 2023 | 95.36% | 88.93% | $0 | $14.0M |
| Q1 2024 | 93.70% | 87.51% | $0 | $11.0M |
| Q2 2024 | 91.77% | 87.21% | $0 | $11.0M |
| Q3 2024 | 91.40% | 87.43% | $0 | $11.0M |
| Q4 2024 | 89.96% | 87.07% | $0 | $0 |
| Q1 2025 | 83.53% | 86.77% | $0 | $0 |
| Q2 2025 | 85.53% | 85.85% | $0 | $0 |
| Q3 2025 | 86.27% | 82.97% | $0 | $0 |
| Q4 2025 | 83.43% | 82.68% | $0 | $0 |
| Q1 2026 | 70.16% | 84.27% | $0 | $0 |
| Q2 2026 | 71.31% | 85.57% | $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 16417) · FFIEC NIC profile (RSSD 384830)