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.
Cash and balances due from depository institutions dropped 36.8% in Q2 2026, from $20.2M to $12.7M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Citizens State Bank is 71st of 138 on loan-to-deposit ratio, 85.61% as of Q2 2026. Citizens State Bank reported 85.61% on loan-to-deposit ratio for Q2 2026, 5.05 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $125.5M |
| 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 | 85.61% |
| Net loans and leases to deposits | 84.38% |
| Loans and leases to core deposits | 100.20% |
| Core deposits to total deposits | 75.83% |
| Brokered deposits to total deposits | 9.61% |
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 | 79.56% | 88.74% | $0 | $0 |
| Q4 2023 | 80.41% | 88.27% | $0 | $0 |
| Q1 2024 | 78.40% | 90.02% | $0 | $0 |
| Q2 2024 | 81.02% | 85.22% | $0 | $0 |
| Q3 2024 | 81.96% | 84.24% | $0 | $0 |
| Q4 2024 | 85.41% | 79.25% | $0 | $0 |
| Q1 2025 | 80.46% | 77.33% | $0 | $0 |
| Q2 2025 | 83.84% | 77.42% | $336K | $0 |
| Q3 2025 | 83.11% | 77.01% | $0 | $0 |
| Q4 2025 | 86.28% | 74.79% | $0 | $5.0M |
| Q1 2026 | 83.89% | 74.97% | $0 | $0 |
| Q2 2026 | 85.61% | 75.83% | $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 5495) · FFIEC NIC profile (RSSD 482053)