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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 22.5% lower than in Q1 2026, at $4.8M. Within Iowa, Citizens Savings Bank is 136th of 225 on loan-to-deposit ratio, 77.12% as of Q2 2026, below the middle of the field. Citizens Savings Bank reported 77.12% on loan-to-deposit ratio for Q2 2026, 9.49 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.1M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 6.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.12% |
| Net loans and leases to deposits | 76.39% |
| Loans and leases to core deposits | 80.53% |
| Core deposits to total deposits | 95.77% |
| 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 | 72.81% | 98.40% | $0 | $92K |
| Q4 2023 | 67.80% | 97.34% | $0 | $85K |
| Q1 2024 | 77.14% | 95.97% | $0 | $78K |
| Q2 2024 | 79.34% | 95.94% | $0 | $5.1M |
| Q3 2024 | 85.82% | 96.02% | $0 | $5.1M |
| Q4 2024 | 74.38% | 95.55% | $0 | $5.1M |
| Q1 2025 | 74.44% | 95.43% | $0 | $5.0M |
| Q2 2025 | 73.55% | 95.57% | $0 | $5.0M |
| Q3 2025 | 75.53% | 94.15% | $0 | $5.0M |
| Q4 2025 | 77.07% | 95.22% | $0 | $5.0M |
| Q1 2026 | 76.35% | 95.29% | $0 | $5.0M |
| Q2 2026 | 77.12% | 95.77% | $0 | $5.0M |
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 14785) · FFIEC NIC profile (RSSD 474544)