Citizens Independent 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 dropped 27.5% in Q2 2026, from $13.4M to $9.7M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Citizens Independent Bank is 122nd of 221 on loan-to-deposit ratio, 78.24% 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 Independent Bank sits 2.59 points lower, at 78.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.7M |
| Cash and noninterest-bearing balances to assets | 3.10% |
| Cash and securities | $93.9M |
| 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 | $8.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.24% |
| Net loans and leases to deposits | 77.55% |
| Loans and leases to core deposits | 81.27% |
| Core deposits to total deposits | 96.28% |
| 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 | 77.66% | 98.35% | $0 | $27.0M |
| Q4 2023 | 75.51% | 97.82% | $0 | $17.5M |
| Q1 2024 | 78.04% | 97.62% | $0 | $23.0M |
| Q2 2024 | 81.32% | 98.24% | $0 | $34.0M |
| Q3 2024 | 80.98% | 98.06% | $0 | $29.9M |
| Q4 2024 | 75.88% | 97.66% | $0 | $16.4M |
| Q1 2025 | 78.49% | 97.52% | $0 | $17.4M |
| Q2 2025 | 80.72% | 97.46% | $0 | $25.9M |
| Q3 2025 | 80.10% | 97.53% | $0 | $16.8M |
| Q4 2025 | 76.01% | 96.88% | $0 | $8.8M |
| Q1 2026 | 76.10% | 96.72% | $0 | $8.8M |
| Q2 2026 | 78.24% | 96.28% | $0 | $8.8M |
Citizens Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16863) · FFIEC NIC profile (RSSD 825753)