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.
Core deposits to total deposits climbed 1.07 percentage points in Q2 2026, from 87.57% to 88.64%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Citizens State Bank is 41st of 153 on loan-to-deposit ratio, 97.71% as of Q2 2026. Citizens State Bank reported 97.71% on loan-to-deposit ratio for Q2 2026, 17.16 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 | $33.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.8M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.71% |
| Net loans and leases to deposits | 96.42% |
| Loans and leases to core deposits | 106.06% |
| Core deposits to total deposits | 88.64% |
| Brokered deposits to total deposits | 3.49% |
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 | 98.42% | 93.88% | $8.0M | $20.2M |
| Q4 2023 | 97.34% | 93.68% | $7.0M | $20.4M |
| Q1 2024 | 90.61% | 84.56% | $7.0M | $13.0M |
| Q2 2024 | 91.23% | 88.72% | $0 | $17.0M |
| Q3 2024 | 96.16% | 87.65% | $0 | $21.0M |
| Q4 2024 | 101.80% | 87.03% | $0 | $40.0M |
| Q1 2025 | 99.14% | 85.16% | $0 | $25.5M |
| Q2 2025 | 98.00% | 87.29% | $500K | $20.0M |
| Q3 2025 | 97.11% | 86.27% | $0 | $20.7M |
| Q4 2025 | 101.03% | 87.11% | $0 | $29.3M |
| Q1 2026 | 97.46% | 87.57% | $0 | $28.4M |
| Q2 2026 | 97.71% | 88.64% | $0 | $28.4M |
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 6194) · FFIEC NIC profile (RSSD 867856)