The Citizens National Bank: 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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. The Citizens National Bank ranks 157th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 51.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Citizens National Bank sits 29.54 points lower, at 51.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.6M |
| 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 | $342K |
| 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 | 51.40% |
| Net loans and leases to deposits | 50.60% |
| Loans and leases to core deposits | 53.83% |
| Core deposits to total deposits | 95.50% |
| 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 | 41.13% | 97.24% | $0 | $0 |
| Q4 2023 | 39.03% | 96.36% | $0 | $0 |
| Q1 2024 | 35.56% | 96.13% | $0 | $0 |
| Q2 2024 | 39.87% | 95.85% | $0 | $0 |
| Q3 2024 | 43.62% | 96.20% | $0 | $3.8M |
| Q4 2024 | 45.33% | 96.17% | $0 | $3.0M |
| Q1 2025 | 43.48% | 96.14% | $0 | $0 |
| Q2 2025 | 45.55% | 95.91% | $0 | $0 |
| Q3 2025 | 50.92% | 96.09% | $285K | $5.5M |
| Q4 2025 | 54.40% | 95.86% | $691K | $5.9M |
| Q1 2026 | 50.59% | 96.40% | $0 | $0 |
| Q2 2026 | 51.40% | 95.50% | $342K | $0 |
The Citizens National Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4678) · FFIEC NIC profile (RSSD 991555)