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 purchased and repos dropped 77.5% in Q2 2026, from $2.0M to $447K. It was the largest change from Q1 2026 among the key lines here. Citizens Savings Bank has the 13th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 45.84% as of Q2 2026. Citizens Savings Bank reported 45.84% on loan-to-deposit ratio for Q2 2026, 35.00 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.4M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 1.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $447K |
| 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 | 45.84% |
| Net loans and leases to deposits | 45.36% |
| Loans and leases to core deposits | 49.49% |
| Core deposits to total deposits | 92.62% |
| 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 | 38.13% | 96.26% | $773K | $0 |
| Q4 2023 | 40.96% | 95.72% | $3.3M | $0 |
| Q1 2024 | 39.21% | 95.52% | $2.4M | $0 |
| Q2 2024 | 42.35% | 94.67% | $2.3M | $0 |
| Q3 2024 | 37.90% | 94.85% | $1.3M | $0 |
| Q4 2024 | 43.32% | 94.38% | $1.1M | $0 |
| Q1 2025 | 41.01% | 95.04% | $1.8M | $0 |
| Q2 2025 | 46.08% | 94.45% | $611K | $0 |
| Q3 2025 | 43.96% | 95.24% | $913K | $0 |
| Q4 2025 | 49.55% | 92.90% | $1.9M | $0 |
| Q1 2026 | 44.19% | 93.16% | $2.0M | $0 |
| Q2 2026 | 45.84% | 92.62% | $447K | $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 10125) · FFIEC NIC profile (RSSD 758842)