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 dropped 14.6% in Q2 2026, from $152.6M to $130.3M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens National Bank is 75th of 109 on loan-to-deposit ratio, 76.43% as of Q2 2026, below the middle of the field. Citizens National Bank reported 76.43% on loan-to-deposit ratio for Q2 2026, 11.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $130.3M |
| Cash and noninterest-bearing balances to assets | 6.65% |
| Cash and securities | $574.7M |
| 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 | $127K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.43% |
| Net loans and leases to deposits | 75.49% |
| Loans and leases to core deposits | 85.80% |
| Core deposits to total deposits | 89.08% |
| 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 | 78.74% | 90.96% | $0 | $90.1M |
| Q4 2023 | 77.66% | 90.87% | $48K | $160.1M |
| Q1 2024 | 82.12% | 89.18% | $0 | $90.0M |
| Q2 2024 | 82.63% | 88.45% | $50K | $95.0M |
| Q3 2024 | 71.26% | 89.65% | $0 | $7K |
| Q4 2024 | 70.26% | 89.90% | $0 | $5K |
| Q1 2025 | 73.61% | 90.11% | $0 | $2K |
| Q2 2025 | 75.03% | 90.07% | $0 | $0 |
| Q3 2025 | 76.81% | 89.63% | $0 | $0 |
| Q4 2025 | 74.32% | 89.67% | $0 | $0 |
| Q1 2026 | 76.26% | 89.34% | $0 | $0 |
| Q2 2026 | 76.43% | 89.08% | $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 20954) · FFIEC NIC profile (RSSD 717737)