Citizens National Bank of Albion: 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 Q2 2026 was in Cash and balances due from depository institutions: 29.4% lower than in Q1 2026, at $11.5M. Within Illinois, Citizens National Bank of Albion is 130th of 323 on loan-to-deposit ratio, 79.67% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Citizens National Bank of Albion reported 79.67% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.6M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.67% |
| Net loans and leases to deposits | 78.54% |
| Loans and leases to core deposits | 88.47% |
| Core deposits to total deposits | 90.05% |
| 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 | 79.98% | 93.77% | $0 | $5.0M |
| Q4 2023 | 81.48% | 90.20% | $79K | $5.0M |
| Q1 2024 | 81.29% | 90.01% | $0 | $8.0M |
| Q2 2024 | 83.61% | 87.86% | $0 | $8.0M |
| Q3 2024 | 82.16% | 87.19% | $0 | $8.0M |
| Q4 2024 | 81.64% | 87.21% | $0 | $3.0M |
| Q1 2025 | 78.70% | 87.49% | $0 | $3.0M |
| Q2 2025 | 79.07% | 86.67% | $185K | $3.0M |
| Q3 2025 | 79.57% | 87.03% | $103K | $3.0M |
| Q4 2025 | 81.85% | 89.84% | $195K | $3.0M |
| Q1 2026 | 78.22% | 89.85% | $0 | $3.0M |
| Q2 2026 | 79.67% | 90.05% | $0 | $3.0M |
Citizens National Bank of Albion 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 of Albion, 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 of Albion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15760) · FFIEC NIC profile (RSSD 853747)