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 Fed funds sold and reverse repos: 37.7% lower than in Q1 2026, at $7.8M. Within Missouri, Citizens Community Bank is 129th of 192 on loan-to-deposit ratio, 76.54% 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 4.30 points lower, at 76.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.5M |
| Fed funds sold and reverse repos | $7.8M |
| Fed funds sold and reverse repos to assets | 5.46% |
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 | 76.54% |
| Net loans and leases to deposits | 75.66% |
| Loans and leases to core deposits | 86.29% |
| Core deposits to total deposits | 88.70% |
| 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 | 75.47% | 95.44% | $0 | $0 |
| Q4 2023 | 77.97% | 93.87% | $0 | $0 |
| Q1 2024 | 76.07% | 93.15% | $0 | $2.5M |
| Q2 2024 | 79.57% | 90.69% | $0 | $2.5M |
| Q3 2024 | 77.90% | 89.98% | $0 | $2.5M |
| Q4 2024 | 76.92% | 87.66% | $0 | $0 |
| Q1 2025 | 70.18% | 87.83% | $0 | $0 |
| Q2 2025 | 72.34% | 88.47% | $0 | $0 |
| Q3 2025 | 75.97% | 88.09% | $0 | $0 |
| Q4 2025 | 77.08% | 88.04% | $0 | $0 |
| Q1 2026 | 74.00% | 88.74% | $0 | $0 |
| Q2 2026 | 76.54% | 88.70% | $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 12694) · FFIEC NIC profile (RSSD 578554)