Citizens Business Bank, N.A.: 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: 141.6% higher than in Q1 2026, at $1.11B. Citizens Business Bank, N.A. ranks 93rd of 114 California banks on loan-to-deposit ratio, in the lower half at 73.22% (Q2 2026). Citizens Business Bank, N.A. reported 73.22% on loan-to-deposit ratio for Q2 2026, 13.62 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.11B |
| Cash and noninterest-bearing balances to assets | 5.22% |
| Cash and securities | $6.79B |
| 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 | $563.4M |
| Other borrowed money | $500.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.22% |
| Net loans and leases to deposits | 72.44% |
| Loans and leases to core deposits | 74.70% |
| Core deposits to total deposits | 98.01% |
| 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 | 71.64% | 99.12% | $269.6M | $1.12B |
| Q4 2023 | 77.54% | 98.21% | $271.6M | $2.07B |
| Q1 2024 | 73.43% | 95.77% | $275.7M | $2.00B |
| Q2 2024 | 73.33% | 94.86% | $268.8M | $1.80B |
| Q3 2024 | 70.72% | 95.85% | $394.5M | $500.0M |
| Q4 2024 | 71.11% | 96.66% | $261.9M | $500.0M |
| Q1 2025 | 69.47% | 96.67% | $276.2M | $500.0M |
| Q2 2025 | 69.43% | 96.47% | $404.2M | $500.0M |
| Q3 2025 | 69.57% | 96.53% | $451.3M | $500.0M |
| Q4 2025 | 71.73% | 96.52% | $490.6M | $500.0M |
| Q1 2026 | 72.01% | 96.70% | $494.3M | $500.0M |
| Q2 2026 | 73.22% | 98.01% | $563.4M | $500.0M |
Citizens Business Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Business Bank, N.A., 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 Business Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21716) · FFIEC NIC profile (RSSD 933966)