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 Cash and balances due from depository institutions: 51.3% higher than in Q1 2026, at $14.6M. Within Iowa, Citizens State Bank is 190th of 225 on loan-to-deposit ratio, 61.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens State Bank sits 19.54 points lower, at 61.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $234.0M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.01% |
| Net loans and leases to deposits | 60.29% |
| Loans and leases to core deposits | 67.94% |
| Core deposits to total deposits | 82.33% |
| Brokered deposits to total deposits | 7.48% |
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 | 53.41% | 88.60% | $0 | $20.0M |
| Q4 2023 | 57.04% | 88.25% | $16.5M | $20.0M |
| Q1 2024 | 55.22% | 87.26% | $0 | $20.0M |
| Q2 2024 | 55.57% | 87.60% | $0 | $26.0M |
| Q3 2024 | 55.34% | 80.92% | $0 | $17.5M |
| Q4 2024 | 57.77% | 82.16% | $2.0M | $17.5M |
| Q1 2025 | 57.52% | 82.74% | $0 | $15.0M |
| Q2 2025 | 59.11% | 82.24% | $2.0M | $15.0M |
| Q3 2025 | 58.89% | 81.64% | $4.0M | $13.0M |
| Q4 2025 | 60.70% | 83.84% | $0 | $13.0M |
| Q1 2026 | 60.98% | 84.27% | $131K | $13.0M |
| Q2 2026 | 61.01% | 82.33% | $0 | $13.0M |
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 9047) · FFIEC NIC profile (RSSD 795548)