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.
The standout move of Q3 2026 was in Fed funds sold and reverse repos to assets: 5.00 percentage points higher than in Q2 2026, at 21.08%. Citizens National Bank has the 34th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 35.35% as of Q3 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, Citizens National Bank reported 35.35% on loan-to-deposit ratio in Q3 2026, 45.59 points lower; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.4M |
| Fed funds sold and reverse repos | $25.9M |
| Fed funds sold and reverse repos to assets | 21.08% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 35.35% |
| Net loans and leases to deposits | 34.81% |
| Loans and leases to core deposits | 35.67% |
| Core deposits to total deposits | 99.10% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 41.16% | 98.66% | $0 | $0 |
| Q1 2024 | 40.93% | 98.95% | $0 | $0 |
| Q2 2024 | 40.25% | 98.95% | $0 | $0 |
| Q3 2024 | 39.06% | 98.92% | $0 | $0 |
| Q4 2024 | 40.83% | 98.93% | $0 | $0 |
| Q1 2025 | 42.08% | 98.90% | $0 | $0 |
| Q2 2025 | 39.41% | 98.85% | $0 | $0 |
| Q3 2025 | 36.01% | 98.94% | $0 | $0 |
| Q4 2025 | 41.25% | 98.64% | $0 | $0 |
| Q1 2026 | 39.70% | 98.67% | $0 | $0 |
| Q2 2026 | 39.53% | 98.70% | $0 | $0 |
| Q3 2026 | 35.35% | 99.10% | $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 24085) · FFIEC NIC profile (RSSD 700252)