Citizens Savings 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.
Cash and balances due from depository institutions dropped 8.2% in Q2 2026, from $20.1M to $18.5M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Citizens Savings Bank is 29th of 103 on loan-to-deposit ratio, 90.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Citizens Savings Bank sits 9.36 points higher, at 90.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.6M |
| 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 | $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 | 90.31% |
| Net loans and leases to deposits | 87.91% |
| Loans and leases to core deposits | 105.12% |
| Core deposits to total deposits | 85.91% |
| 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 | 89.20% | 89.90% | $0 | $3.5M |
| Q4 2023 | 92.16% | 89.29% | $0 | $8.0M |
| Q1 2024 | 89.87% | 88.16% | $0 | $1.0M |
| Q2 2024 | 91.43% | 88.25% | $0 | $2.0M |
| Q3 2024 | 91.79% | 88.24% | $0 | $2.0M |
| Q4 2024 | 91.32% | 87.55% | $0 | $0 |
| Q1 2025 | 88.55% | 88.53% | $0 | $0 |
| Q2 2025 | 88.21% | 86.74% | $0 | $0 |
| Q3 2025 | 90.10% | 85.81% | $0 | $0 |
| Q4 2025 | 92.85% | 86.03% | $0 | $0 |
| Q1 2026 | 90.97% | 86.22% | $0 | $0 |
| Q2 2026 | 90.31% | 85.91% | $0 | $0 |
Citizens Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings 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 Citizens Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30270) · FFIEC NIC profile (RSSD 1014376)