Citizens Community Bank: 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: 4.63 percentage points higher than in Q1 2026, at 84.03%. Citizens Community Bank ranks 78th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 74.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Community Bank sits 6.26 points lower, at 74.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.4M |
| 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 | $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 | 74.58% |
| Net loans and leases to deposits | 73.53% |
| Loans and leases to core deposits | 84.03% |
| Core deposits to total deposits | 88.76% |
| 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 | 75.17% | 92.07% | $0 | $0 |
| Q4 2023 | 74.72% | 90.92% | $0 | $0 |
| Q1 2024 | 74.41% | 89.94% | $0 | $7.5M |
| Q2 2024 | 72.80% | 90.11% | $0 | $7.5M |
| Q3 2024 | 72.10% | 89.31% | $0 | $7.5M |
| Q4 2024 | 69.70% | 89.65% | $0 | $0 |
| Q1 2025 | 69.41% | 89.13% | $0 | $0 |
| Q2 2025 | 68.68% | 88.61% | $0 | $0 |
| Q3 2025 | 70.45% | 89.16% | $0 | $0 |
| Q4 2025 | 71.57% | 89.61% | $0 | $0 |
| Q1 2026 | 71.01% | 89.43% | $0 | $0 |
| Q2 2026 | 74.58% | 88.76% | $0 | $0 |
Citizens Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33739) · FFIEC NIC profile (RSSD 2002222)