The Citizens National Bank of McConnelsville: 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.
Other borrowed money dropped 36.0% in Q2 2026, from $7.1M to $4.5M. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of McConnelsville ranks 68th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 84.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens National Bank of McConnelsville sits 3.88 points higher, at 84.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.7M |
| 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 | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.72% |
| Net loans and leases to deposits | 83.81% |
| Loans and leases to core deposits | 90.28% |
| Core deposits to total deposits | 88.36% |
| Brokered deposits to total deposits | 5.48% |
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 | 87.20% | 98.18% | $0 | $11.3M |
| Q4 2023 | 88.61% | 97.29% | $0 | $10.4M |
| Q1 2024 | 87.29% | 96.99% | $0 | $9.6M |
| Q2 2024 | 87.68% | 89.61% | $0 | $9.1M |
| Q3 2024 | 84.30% | 92.16% | $0 | $8.5M |
| Q4 2024 | 85.67% | 92.66% | $0 | $7.9M |
| Q1 2025 | 84.38% | 92.88% | $0 | $7.3M |
| Q2 2025 | 82.08% | 91.90% | $0 | $6.8M |
| Q3 2025 | 83.71% | 90.84% | $0 | $6.2M |
| Q4 2025 | 86.53% | 92.31% | $0 | $8.6M |
| Q1 2026 | 85.92% | 88.39% | $0 | $7.1M |
| Q2 2026 | 84.72% | 88.36% | $0 | $4.5M |
The Citizens National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6638) · FFIEC NIC profile (RSSD 685023)