Citizens Federal Savings & Loan Association: 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 Other borrowed money: 150.0% higher than in Q1 2026, at $5.0M. Within Ohio, Citizens Federal Savings & Loan Association is 43rd of 156 on loan-to-deposit ratio, 91.27% as of Q2 2026, above the middle of the field. Citizens Federal Savings & Loan Association reported 91.27% on loan-to-deposit ratio for Q2 2026, 10.43 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.5M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.27% |
| Net loans and leases to deposits | 91.09% |
| Loans and leases to core deposits | 111.40% |
| Core deposits to total deposits | 80.70% |
| Brokered deposits to total deposits | 1.24% |
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 | 86.97% | 76.98% | $0 | $0 |
| Q4 2023 | 86.79% | 78.34% | $0 | $0 |
| Q1 2024 | 84.92% | 76.42% | $0 | $0 |
| Q2 2024 | 86.56% | 77.79% | $0 | $1.0M |
| Q3 2024 | 85.26% | 78.37% | $0 | $0 |
| Q4 2024 | 85.04% | 78.94% | $0 | $0 |
| Q1 2025 | 85.83% | 79.46% | $0 | $0 |
| Q2 2025 | 87.80% | 81.16% | $0 | $2.0M |
| Q3 2025 | 88.40% | 79.45% | $0 | $0 |
| Q4 2025 | 87.71% | 79.56% | $0 | $0 |
| Q1 2026 | 88.27% | 80.10% | $0 | $2.0M |
| Q2 2026 | 91.27% | 80.70% | $0 | $5.0M |
Citizens Federal Savings & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings & Loan Association, 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 Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28060) · FFIEC NIC profile (RSSD 647777)