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.
Fed funds sold and reverse repos dropped 72.4% in Q2 2026, from $7.2M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens State Bank is 168th of 346 on loan-to-deposit ratio, 73.64% 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 6.92 points lower, at 73.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.6M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 1.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.2M |
| 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 | 73.64% |
| Net loans and leases to deposits | 72.75% |
| Loans and leases to core deposits | 87.28% |
| Core deposits to total deposits | 84.37% |
| 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 | 69.33% | 85.36% | $0 | $0 |
| Q4 2023 | 70.65% | 85.63% | $0 | $0 |
| Q1 2024 | 67.81% | 86.04% | $0 | $0 |
| Q2 2024 | 72.49% | 84.75% | $0 | $0 |
| Q3 2024 | 70.83% | 83.71% | $0 | $0 |
| Q4 2024 | 74.43% | 82.51% | $0 | $0 |
| Q1 2025 | 73.27% | 85.74% | $0 | $0 |
| Q2 2025 | 74.87% | 84.67% | $0 | $0 |
| Q3 2025 | 73.89% | 85.18% | $0 | $0 |
| Q4 2025 | 74.27% | 85.37% | $0 | $0 |
| Q1 2026 | 72.32% | 85.03% | $0 | $0 |
| Q2 2026 | 73.64% | 84.37% | $3.2M | $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 11905) · FFIEC NIC profile (RSSD 899651)