Citizens 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 133.4% in Q2 2026, from $22.3M to $52.1M. It was the largest change from Q1 2026 among the key lines here. Citizens National Bank ranks 189th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 69.93% (Q2 2026). Citizens National Bank reported 69.93% on loan-to-deposit ratio for Q2 2026, 10.91 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 | $52.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $252.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.93% |
| Net loans and leases to deposits | 68.86% |
| Loans and leases to core deposits | 77.14% |
| Core deposits to total deposits | 90.66% |
| 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 | 78.52% | 90.79% | $0 | $0 |
| Q4 2023 | 78.99% | 91.18% | $0 | $0 |
| Q1 2024 | 80.06% | 91.14% | $0 | $0 |
| Q2 2024 | 81.45% | 91.60% | $0 | $0 |
| Q3 2024 | 79.40% | 91.61% | $0 | $0 |
| Q4 2024 | 78.35% | 91.78% | $0 | $0 |
| Q1 2025 | 78.05% | 92.15% | $0 | $0 |
| Q2 2025 | 77.83% | 91.88% | $0 | $0 |
| Q3 2025 | 77.31% | 91.87% | $0 | $0 |
| Q4 2025 | 73.71% | 92.45% | $0 | $0 |
| Q1 2026 | 73.71% | 92.34% | $0 | $0 |
| Q2 2026 | 69.93% | 90.66% | $0 | $0 |
Citizens 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)