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 7.18 percentage points in Q2 2026, from 86.24% to 93.43%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 193rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 69.25% (Q2 2026). Citizens State Bank reported 69.25% on loan-to-deposit ratio for Q2 2026, 11.59 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 | $30.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $184.7M |
| Fed funds sold and reverse repos | $24.1M |
| Fed funds sold and reverse repos to assets | 4.76% |
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 | 69.25% |
| Net loans and leases to deposits | 68.52% |
| Loans and leases to core deposits | 93.43% |
| Core deposits to total deposits | 74.12% |
| 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 | 65.19% | 79.57% | $0 | $0 |
| Q4 2023 | 65.80% | 77.51% | $0 | $0 |
| Q1 2024 | 65.22% | 76.37% | $0 | $12.0M |
| Q2 2024 | 64.59% | 76.76% | $0 | $12.0M |
| Q3 2024 | 64.99% | 77.14% | $0 | $0 |
| Q4 2024 | 67.23% | 74.74% | $0 | $0 |
| Q1 2025 | 65.72% | 72.10% | $0 | $0 |
| Q2 2025 | 69.72% | 72.37% | $0 | $0 |
| Q3 2025 | 69.67% | 73.51% | $0 | $0 |
| Q4 2025 | 67.68% | 74.40% | $0 | $0 |
| Q1 2026 | 64.70% | 75.02% | $0 | $0 |
| Q2 2026 | 69.25% | 74.12% | $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 17214) · FFIEC NIC profile (RSSD 523161)