The Citizens National Bank of Woodsfield: 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.
Loan-to-deposit ratio dropped 0.84 percentage points in Q2 2026, from 45.69% to 44.85%. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of Woodsfield has the 7th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 44.85% as of 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 Woodsfield sits 35.99 points lower, at 44.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.0M |
| 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 | 44.85% |
| Net loans and leases to deposits | 44.57% |
| Loans and leases to core deposits | 45.46% |
| Core deposits to total deposits | 98.67% |
| 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 | 42.94% | 100.00% | $0 | $2.0M |
| Q4 2023 | 44.47% | 99.56% | $0 | $0 |
| Q1 2024 | 45.69% | 99.55% | $0 | $4.0M |
| Q2 2024 | 44.45% | 99.55% | $0 | $0 |
| Q3 2024 | 43.86% | 99.55% | $0 | $0 |
| Q4 2024 | 45.79% | 99.53% | $0 | $0 |
| Q1 2025 | 44.34% | 99.55% | $0 | $0 |
| Q2 2025 | 43.82% | 99.19% | $0 | $0 |
| Q3 2025 | 45.31% | 99.18% | $0 | $0 |
| Q4 2025 | 46.10% | 99.05% | $0 | $6.5M |
| Q1 2026 | 45.69% | 99.07% | $0 | $0 |
| Q2 2026 | 44.85% | 98.67% | $0 | $0 |
The Citizens National Bank of Woodsfield 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 Woodsfield, 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 Woodsfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6732) · FFIEC NIC profile (RSSD 386825)