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: 3.67 percentage points higher than in Q1 2026, at 82.76%. Citizens Bank & Trust Company ranks 89th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 80.83% (Q2 2026). At 80.83%, Citizens Bank & Trust Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.9M |
| 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 | $1.7M |
| Other borrowed money | $16.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.83% |
| Net loans and leases to deposits | 80.14% |
| Loans and leases to core deposits | 82.76% |
| Core deposits to total deposits | 97.67% |
| Brokered deposits to total deposits | 17.13% |
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 | 70.93% | 98.03% | $4.0M | $25.6M |
| Q4 2023 | 77.06% | 97.80% | $6.7M | $35.1M |
| Q1 2024 | 73.13% | 97.51% | $1.5M | $26.6M |
| Q2 2024 | 75.30% | 95.37% | $0 | $31.7M |
| Q3 2024 | 80.72% | 95.39% | $415K | $40.1M |
| Q4 2024 | 83.13% | 94.99% | $3.2M | $40.0M |
| Q1 2025 | 77.02% | 97.77% | $0 | $28.5M |
| Q2 2025 | 76.63% | 97.98% | $128K | $22.4M |
| Q3 2025 | 82.21% | 98.07% | $642K | $34.4M |
| Q4 2025 | 81.51% | 97.93% | $0 | $33.5M |
| Q1 2026 | 77.67% | 98.20% | $612K | $12.5M |
| Q2 2026 | 80.83% | 97.67% | $1.7M | $16.3M |
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 5469) · FFIEC NIC profile (RSSD 925055)