Citizens Savings Bank and Trust Company: 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 Other borrowed money: 73.3% higher than in Q1 2026, at $13.0M. Among 109 Tennessee banks, Citizens Savings Bank and Trust Company sits 7th from the top on loan-to-deposit ratio, 102.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Savings Bank and Trust Company sits 21.57 points higher, at 102.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.6M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.41% |
| Net loans and leases to deposits | 101.33% |
| Loans and leases to core deposits | 123.85% |
| Core deposits to total deposits | 82.69% |
| 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 | 97.45% | 88.01% | $0 | $2.3M |
| Q4 2023 | 97.88% | 87.87% | $0 | $2.3M |
| Q1 2024 | 96.75% | 87.03% | $0 | $1.9M |
| Q2 2024 | 96.41% | 86.20% | $0 | $0 |
| Q3 2024 | 97.48% | 85.16% | $0 | $0 |
| Q4 2024 | 96.19% | 85.75% | $0 | $0 |
| Q1 2025 | 94.55% | 84.76% | $0 | $0 |
| Q2 2025 | 96.79% | 84.73% | $0 | $0 |
| Q3 2025 | 93.82% | 84.73% | $0 | $0 |
| Q4 2025 | 96.42% | 82.88% | $0 | $0 |
| Q1 2026 | 100.80% | 82.95% | $0 | $7.5M |
| Q2 2026 | 102.41% | 82.69% | $0 | $13.0M |
Citizens Savings Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10319) · FFIEC NIC profile (RSSD 55635)