Citizens First 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: 10.97 percentage points higher than in Q1 2026, at 137.43%. Citizens First Bank ranks 24th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 102.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens First Bank sits 22.25 points higher, at 102.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.1M |
| 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 | $57.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.81% |
| Net loans and leases to deposits | 101.60% |
| Loans and leases to core deposits | 137.43% |
| Core deposits to total deposits | 73.54% |
| Brokered deposits to total deposits | 10.68% |
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 | 90.15% | 85.33% | $0 | $40.9M |
| Q4 2023 | 91.41% | 84.73% | $0 | $35.9M |
| Q1 2024 | 97.21% | 87.33% | $0 | $54.3M |
| Q2 2024 | 99.22% | 84.85% | $0 | $53.5M |
| Q3 2024 | 94.43% | 83.80% | $0 | $43.8M |
| Q4 2024 | 92.86% | 80.54% | $0 | $46.0M |
| Q1 2025 | 90.86% | 80.04% | $0 | $46.7M |
| Q2 2025 | 95.22% | 69.62% | $0 | $54.6M |
| Q3 2025 | 92.62% | 72.04% | $0 | $41.5M |
| Q4 2025 | 98.65% | 70.21% | $0 | $54.6M |
| Q1 2026 | 95.86% | 74.58% | $0 | $45.6M |
| Q2 2026 | 102.81% | 73.54% | $0 | $57.1M |
Citizens First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35477) · FFIEC NIC profile (RSSD 2882983)