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.
Fed funds sold and reverse repos to assets climbed 2.01 percentage points in Q2 2026, from 0.30% to 2.31%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Savings Bank is 20th from the bottom among 225 Iowa banks, 53.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Savings Bank sits 27.77 points lower, at 53.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.9M |
| Fed funds sold and reverse repos | $3.5M |
| Fed funds sold and reverse repos to assets | 2.31% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.06% |
| Net loans and leases to deposits | 52.11% |
| Loans and leases to core deposits | 65.63% |
| Core deposits to total deposits | 80.09% |
| Brokered deposits to total deposits | 0.77% |
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 | 53.70% | 86.25% | $1.1M | $12.5M |
| Q4 2023 | 53.88% | 86.42% | $2.2M | $10.5M |
| Q1 2024 | 55.29% | 84.13% | $0 | $11.5M |
| Q2 2024 | 54.49% | 81.22% | $0 | $10.6M |
| Q3 2024 | 53.86% | 81.60% | $0 | $7.8M |
| Q4 2024 | 55.19% | 82.35% | $647K | $8.3M |
| Q1 2025 | 53.39% | 81.59% | $0 | $4.8M |
| Q2 2025 | 53.98% | 81.29% | $896K | $4.8M |
| Q3 2025 | 57.63% | 81.16% | $0 | $10.1M |
| Q4 2025 | 54.71% | 80.39% | $0 | $4.8M |
| Q1 2026 | 52.26% | 80.17% | $0 | $4.8M |
| Q2 2026 | 53.06% | 80.09% | $0 | $4.8M |
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 12128) · FFIEC NIC profile (RSSD 544447)