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 52.9% in Q2 2026, from $13.8M to $6.5M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Citizens Savings Bank is 26th of 109 on loan-to-deposit ratio, 98.43% as of Q2 2026, above the middle of the field. Citizens Savings Bank reported 98.43% on loan-to-deposit ratio for Q2 2026, 17.59 points above 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 | $6.5M |
| Cash and noninterest-bearing balances to assets | 1.82% |
| Cash and securities | $44.3M |
| 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 | 98.43% |
| Net loans and leases to deposits | 98.10% |
| Loans and leases to core deposits | 105.97% |
| Core deposits to total deposits | 92.88% |
| 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 | 95.17% | 94.04% | $0 | $12.0M |
| Q4 2023 | 98.92% | 93.98% | $0 | $22.0M |
| Q1 2024 | 98.34% | 93.32% | $0 | $0 |
| Q2 2024 | 98.75% | 93.15% | $0 | $0 |
| Q3 2024 | 97.53% | 92.76% | $0 | $0 |
| Q4 2024 | 96.00% | 92.86% | $0 | $0 |
| Q1 2025 | 97.50% | 93.89% | $0 | $0 |
| Q2 2025 | 98.03% | 93.77% | $0 | $0 |
| Q3 2025 | 99.19% | 93.58% | $0 | $0 |
| Q4 2025 | 97.02% | 93.07% | $0 | $0 |
| Q1 2026 | 95.87% | 93.00% | $0 | $0 |
| Q2 2026 | 98.43% | 92.88% | $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 31184) · FFIEC NIC profile (RSSD 828473)