Citizens Bank & Trust Company of Vivian, Louisiana: 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 climbed 40.3% in Q2 2026, from $11.9M to $16.7M. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust Company of Vivian, Louisiana has the 9th lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 47.18% as of 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 Vivian, Louisiana sits 33.65 points lower, at 47.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.4M |
| 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 | $2.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.18% |
| Net loans and leases to deposits | 46.78% |
| Loans and leases to core deposits | 53.18% |
| Core deposits to total deposits | 88.73% |
| 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 | 50.07% | 92.15% | $0 | $14.3M |
| Q4 2023 | 46.36% | 90.32% | $0 | $13.1M |
| Q1 2024 | 49.30% | 92.58% | $0 | $16.2M |
| Q2 2024 | 50.89% | 91.63% | $0 | $13.7M |
| Q3 2024 | 51.25% | 88.77% | $0 | $9.7M |
| Q4 2024 | 48.79% | 88.99% | $0 | $6.0M |
| Q1 2025 | 49.92% | 89.12% | $0 | $5.9M |
| Q2 2025 | 46.90% | 88.73% | $0 | $5.9M |
| Q3 2025 | 48.33% | 89.18% | $0 | $5.9M |
| Q4 2025 | 49.64% | 88.32% | $0 | $5.8M |
| Q1 2026 | 47.78% | 88.64% | $0 | $2.1M |
| Q2 2026 | 47.18% | 88.73% | $0 | $2.1M |
Citizens Bank & Trust Company of Vivian, Louisiana 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 Vivian, Louisiana, 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 Vivian, Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19744) · FFIEC NIC profile (RSSD 767554)