Citizens National Bank of Crosbyton: 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 Loans and leases to core deposits: 11.26 percentage points higher than in Q1 2026, at 59.11%. Within Texas, Citizens National Bank of Crosbyton is 290th of 346 on loan-to-deposit ratio, 44.05% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens National Bank of Crosbyton sits 23.57 points lower, at 44.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.1M |
| 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 | 44.05% |
| Net loans and leases to deposits | 43.58% |
| Loans and leases to core deposits | 59.11% |
| Core deposits to total deposits | 74.52% |
| 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 | 29.32% | 79.71% | $0 | $0 |
| Q4 2023 | 25.73% | 80.60% | $0 | $0 |
| Q1 2024 | 25.74% | 77.91% | $0 | $0 |
| Q2 2024 | 33.64% | 77.31% | $0 | $0 |
| Q3 2024 | 35.71% | 76.40% | $0 | $0 |
| Q4 2024 | 30.20% | 76.37% | $0 | $0 |
| Q1 2025 | 33.66% | 75.99% | $0 | $0 |
| Q2 2025 | 33.83% | 76.52% | $0 | $0 |
| Q3 2025 | 39.68% | 76.48% | $0 | $0 |
| Q4 2025 | 41.29% | 76.48% | $0 | $0 |
| Q1 2026 | 36.59% | 76.48% | $0 | $0 |
| Q2 2026 | 44.05% | 74.52% | $0 | $0 |
Citizens National Bank of Crosbyton 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 Crosbyton, 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 Crosbyton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3158) · FFIEC NIC profile (RSSD 901451)