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.
Loans and leases to core deposits climbed 13.26 percentage points in Q3 2026, from 125.95% to 139.21%. It was the largest change from Q2 2026 among the key lines here. As of Q3 2026, Citizens State Bank ranks first in Nebraska on loan-to-deposit ratio among 138 banks, at 124.71%. Citizens State Bank's loan-to-deposit ratio of 124.71% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 56.79 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $1.7M |
| Other borrowed money | $4.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 124.71% |
| Net loans and leases to deposits | 123.84% |
| Loans and leases to core deposits | 139.21% |
| Core deposits to total deposits | 80.58% |
| Brokered deposits to total deposits | 12.60% |
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 |
|---|---|---|---|---|
| Q4 2023 | 101.36% | 87.87% | $0 | $4.4M |
| Q1 2024 | 91.53% | 82.66% | $0 | $2.4M |
| Q2 2024 | 104.56% | 84.42% | $0 | $2.9M |
| Q3 2024 | 115.56% | 84.06% | $0 | $5.3M |
| Q4 2024 | 118.24% | 85.82% | $356K | $4.7M |
| Q1 2025 | 107.06% | 85.30% | $0 | $3.5M |
| Q2 2025 | 112.16% | 83.42% | $0 | $3.5M |
| Q3 2025 | 112.99% | 80.35% | $0 | $4.3M |
| Q4 2025 | 108.41% | 78.80% | $0 | $3.8M |
| Q1 2026 | 109.99% | 80.20% | $78K | $2.0M |
| Q2 2026 | 112.95% | 80.71% | $0 | $3.5M |
| Q3 2026 | 124.71% | 80.58% | $1.7M | $4.8M |
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 18724) · FFIEC NIC profile (RSSD 235558)