Citizens First National 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.
Cash and balances due from depository institutions climbed 103.3% in Q2 2026, from $15.1M to $30.6M. It was the largest change from Q1 2026 among the key lines here. Citizens First National Bank ranks 179th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 65.40% (Q2 2026). Citizens First National Bank reported 65.40% on loan-to-deposit ratio for Q2 2026, 15.44 points below 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 | $30.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.5M |
| 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 | $5.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.40% |
| Net loans and leases to deposits | 64.23% |
| Loans and leases to core deposits | 70.57% |
| Core deposits to total deposits | 92.67% |
| 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 | 72.37% | 95.70% | $0 | $3.9M |
| Q4 2023 | 69.24% | 95.45% | $0 | $3.8M |
| Q1 2024 | 71.45% | 93.65% | $0 | $3.8M |
| Q2 2024 | 72.11% | 93.50% | $0 | $3.6M |
| Q3 2024 | 74.01% | 93.14% | $0 | $3.9M |
| Q4 2024 | 70.64% | 93.78% | $0 | $3.8M |
| Q1 2025 | 68.21% | 92.70% | $0 | $3.8M |
| Q2 2025 | 70.58% | 92.51% | $0 | $3.6M |
| Q3 2025 | 69.38% | 92.25% | $0 | $3.6M |
| Q4 2025 | 67.45% | 92.74% | $0 | $3.5M |
| Q1 2026 | 68.93% | 92.22% | $0 | $3.5M |
| Q2 2026 | 65.40% | 92.67% | $0 | $5.3M |
Citizens First National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4511) · FFIEC NIC profile (RSSD 424240)