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 12.60 percentage points in Q2 2026, from 79.51% to 92.11%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Citizens State Bank is 141st of 182 on loan-to-deposit ratio, 59.48% as of Q2 2026. Citizens State Bank reported 59.48% on loan-to-deposit ratio for Q2 2026, 21.07 points below 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 | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.0M |
| Fed funds sold and reverse repos | $133K |
| Fed funds sold and reverse repos to assets | 0.10% |
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 | 59.48% |
| Net loans and leases to deposits | 58.78% |
| Loans and leases to core deposits | 92.11% |
| Core deposits to total deposits | 64.58% |
| 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 | 68.66% | 67.51% | $0 | $5.6M |
| Q4 2023 | 60.42% | 67.88% | $0 | $0 |
| Q1 2024 | 56.68% | 66.52% | $0 | $0 |
| Q2 2024 | 69.92% | 65.35% | $0 | $5.5M |
| Q3 2024 | 71.60% | 65.15% | $0 | $5.2M |
| Q4 2024 | 66.56% | 67.84% | $0 | $0 |
| Q1 2025 | 58.13% | 63.10% | $0 | $0 |
| Q2 2025 | 66.15% | 65.59% | $0 | $0 |
| Q3 2025 | 72.30% | 65.64% | $0 | $2.5M |
| Q4 2025 | 65.33% | 69.11% | $0 | $0 |
| Q1 2026 | 55.60% | 69.92% | $0 | $0 |
| Q2 2026 | 59.48% | 64.58% | $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 15261) · FFIEC NIC profile (RSSD 937759)