The Citizens National Bank of Bluffton: 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 36.6% in Q2 2026, from $21.1M to $28.8M. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of Bluffton ranks 16th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 102.21% (Q2 2026). The Citizens National Bank of Bluffton reported 102.21% on loan-to-deposit ratio for Q2 2026, 14.00 points above 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 | $28.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $207.4M |
| 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 | $129.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.21% |
| Net loans and leases to deposits | 100.67% |
| Loans and leases to core deposits | 109.34% |
| Core deposits to total deposits | 88.08% |
| Brokered deposits to total deposits | 5.40% |
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 | 104.50% | 89.23% | $0 | $125.8M |
| Q4 2023 | 107.02% | 88.82% | $0 | $138.0M |
| Q1 2024 | 105.55% | 85.70% | $0 | $132.3M |
| Q2 2024 | 106.38% | 84.84% | $0 | $144.6M |
| Q3 2024 | 103.57% | 86.76% | $0 | $129.2M |
| Q4 2024 | 107.04% | 87.41% | $0 | $153.2M |
| Q1 2025 | 102.15% | 89.35% | $0 | $115.4M |
| Q2 2025 | 106.48% | 87.09% | $0 | $156.4M |
| Q3 2025 | 102.48% | 88.97% | $0 | $119.5M |
| Q4 2025 | 109.41% | 88.65% | $0 | $167.9M |
| Q1 2026 | 102.85% | 87.92% | $0 | $119.2M |
| Q2 2026 | 102.21% | 88.08% | $0 | $129.3M |
The Citizens National Bank of Bluffton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Bluffton, 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 The Citizens National Bank of Bluffton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)