Citizens Guaranty 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.
Other borrowed money climbed 76.9% in Q2 2026, from $6.5M to $11.5M. It was the largest change from Q1 2026 among the key lines here. Among 120 Kentucky banks, Citizens Guaranty Bank sits 8th from the top on loan-to-deposit ratio, 108.27% as of Q2 2026. Citizens Guaranty Bank reported 108.27% on loan-to-deposit ratio for Q2 2026, 27.43 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 | $6.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.2M |
| 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 | $2.6M |
| Other borrowed money | $11.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.27% |
| Net loans and leases to deposits | 107.05% |
| Loans and leases to core deposits | 117.27% |
| Core deposits to total deposits | 92.33% |
| 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 | 99.27% | 92.00% | $0 | $9.0M |
| Q4 2023 | 102.75% | 91.80% | $1.5M | $9.0M |
| Q1 2024 | 98.95% | 92.26% | $0 | $9.0M |
| Q2 2024 | 99.31% | 92.16% | $0 | $7.5M |
| Q3 2024 | 99.43% | 93.28% | $0 | $7.5M |
| Q4 2024 | 103.53% | 93.33% | $188K | $7.5M |
| Q1 2025 | 104.22% | 93.59% | $437K | $7.5M |
| Q2 2025 | 101.83% | 93.38% | $0 | $7.5M |
| Q3 2025 | 104.25% | 93.00% | $0 | $7.5M |
| Q4 2025 | 104.80% | 92.50% | $0 | $11.5M |
| Q1 2026 | 103.24% | 92.31% | $0 | $6.5M |
| Q2 2026 | 108.27% | 92.33% | $2.6M | $11.5M |
Citizens Guaranty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20872) · FFIEC NIC profile (RSSD 764816)