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 largest change between Q1 2026 and Q2 2026 was in Core deposits to total deposits, which fell 0.43 percentage points to 87.70%. Within Texas, Citizens State Bank is 179th of 346 on loan-to-deposit ratio, 72.38% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens State Bank sits 15.82 points lower, at 72.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $113.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $400.0M |
| 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 | 72.38% |
| Net loans and leases to deposits | 71.57% |
| Loans and leases to core deposits | 82.53% |
| Core deposits to total deposits | 87.70% |
| 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 | 72.55% | 93.75% | $0 | $0 |
| Q4 2023 | 71.76% | 93.01% | $0 | $0 |
| Q1 2024 | 72.10% | 92.34% | $0 | $0 |
| Q2 2024 | 73.27% | 91.32% | $0 | $0 |
| Q3 2024 | 73.76% | 90.65% | $0 | $0 |
| Q4 2024 | 74.03% | 89.30% | $0 | $0 |
| Q1 2025 | 75.35% | 89.03% | $0 | $0 |
| Q2 2025 | 73.59% | 89.08% | $0 | $0 |
| Q3 2025 | 74.76% | 88.52% | $0 | $0 |
| Q4 2025 | 71.57% | 88.46% | $0 | $0 |
| Q1 2026 | 72.44% | 88.13% | $0 | $0 |
| Q2 2026 | 72.38% | 87.70% | $0 | $0 |
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 16753) · FFIEC NIC profile (RSSD 261360)