Citizens State 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 Loans and leases to core deposits: 5.15 percentage points higher than in Q1 2026, at 80.62%. Citizens State Bank ranks 165th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 69.17% (Q2 2026). Citizens State Bank reported 69.17% on loan-to-deposit ratio for Q2 2026, 11.67 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 | $6.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.0M |
| Fed funds sold and reverse repos | $245K |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.17% |
| Net loans and leases to deposits | 68.66% |
| Loans and leases to core deposits | 80.62% |
| Core deposits to total deposits | 85.79% |
| Brokered deposits to total deposits | 2.68% |
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 | 79.76% | 95.28% | $3.9M | $2.2M |
| Q4 2023 | 73.57% | 91.82% | $0 | $2.2M |
| Q1 2024 | 76.25% | 92.44% | $0 | $2.2M |
| Q2 2024 | 77.65% | 90.86% | $2.0M | $2.2M |
| Q3 2024 | 75.09% | 89.78% | $0 | $4.2M |
| Q4 2024 | 72.78% | 88.34% | $0 | $4.8M |
| Q1 2025 | 71.70% | 88.87% | $0 | $2.8M |
| Q2 2025 | 75.50% | 87.74% | $0 | $2.8M |
| Q3 2025 | 76.18% | 87.43% | $0 | $2.8M |
| Q4 2025 | 70.69% | 87.93% | $0 | $2.8M |
| Q1 2026 | 65.40% | 86.66% | $0 | $2.8M |
| Q2 2026 | 69.17% | 85.79% | $0 | $2.8M |
Citizens State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11759) · FFIEC NIC profile (RSSD 212344)