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: 2.25 percentage points higher than in Q1 2026, at 72.23%. Within Illinois, Citizens Community Bank is 238th of 323 on loan-to-deposit ratio, 63.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Community Bank sits 17.84 points lower, at 63.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $237.2M |
| 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 | $18.0M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.00% |
| Net loans and leases to deposits | 61.21% |
| Loans and leases to core deposits | 72.23% |
| Core deposits to total deposits | 84.98% |
| Brokered deposits to total deposits | 2.24% |
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 | 74.37% | 83.94% | $44.6M | $35.0M |
| Q4 2023 | 78.38% | 84.20% | $49.1M | $45.0M |
| Q1 2024 | 77.16% | 83.69% | $43.8M | $42.0M |
| Q2 2024 | 76.46% | 83.98% | $48.7M | $30.0M |
| Q3 2024 | 71.04% | 83.17% | $54.3M | $10.0M |
| Q4 2024 | 70.55% | 82.81% | $59.6M | $10.0M |
| Q1 2025 | 64.71% | 84.05% | $18.8M | $10.0M |
| Q2 2025 | 66.33% | 84.77% | $18.1M | $10.0M |
| Q3 2025 | 67.04% | 85.00% | $20.8M | $15.0M |
| Q4 2025 | 65.08% | 85.24% | $20.5M | $15.0M |
| Q1 2026 | 61.28% | 85.34% | $19.4M | $15.0M |
| Q2 2026 | 63.00% | 84.98% | $18.0M | $15.0M |
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 33753) · FFIEC NIC profile (RSSD 2007991)