Citizens Bank & Trust Company of Ardmore: 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: 42.0% lower than in Q1 2026, at $10.1M. Citizens Bank & Trust Company of Ardmore ranks 85th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 78.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Citizens Bank & Trust Company of Ardmore reported 78.84% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.4M |
| Fed funds sold and reverse repos | $362K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.6M |
| Other borrowed money | $6.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.84% |
| Net loans and leases to deposits | 78.06% |
| Loans and leases to core deposits | 89.79% |
| Core deposits to total deposits | 85.57% |
| Brokered deposits to total deposits | 2.23% |
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 | 76.01% | 91.02% | $17.9M | $31.0M |
| Q4 2023 | 74.10% | 87.81% | $10.1M | $27.7M |
| Q1 2024 | 72.99% | 87.02% | $4.9M | $23.5M |
| Q2 2024 | 73.75% | 86.24% | $8.4M | $19.7M |
| Q3 2024 | 75.28% | 85.57% | $7.0M | $21.2M |
| Q4 2024 | 72.68% | 84.82% | $4.2M | $10.3M |
| Q1 2025 | 73.36% | 84.99% | $4.9M | $10.1M |
| Q2 2025 | 73.95% | 84.49% | $8.2M | $9.9M |
| Q3 2025 | 75.95% | 84.72% | $6.0M | $9.8M |
| Q4 2025 | 74.66% | 85.66% | $6.5M | $7.1M |
| Q1 2026 | 75.93% | 85.37% | $7.8M | $7.0M |
| Q2 2026 | 78.84% | 85.57% | $7.6M | $6.8M |
Citizens Bank & Trust Company of Ardmore 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 of Ardmore, 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 of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22717) · FFIEC NIC profile (RSSD 255556)