Citizens State Bank and Trust Co., Ellsworth, Kansas: 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 Loans and leases to core deposits: 3.12 percentage points higher than in Q1 2026, at 90.31%. Within Kansas, Citizens State Bank and Trust Co., Ellsworth, Kansas is 73rd of 182 on loan-to-deposit ratio, 80.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Citizens State Bank and Trust Co., Ellsworth, Kansas reported 80.62% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $42.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.62% |
| Net loans and leases to deposits | 79.67% |
| Loans and leases to core deposits | 90.31% |
| Core deposits to total deposits | 84.75% |
| Brokered deposits to total deposits | 4.52% |
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 | 84.58% | 92.63% | $0 | $60.5M |
| Q4 2023 | 76.19% | 92.82% | $0 | $56.5M |
| Q1 2024 | 78.59% | 92.54% | $0 | $53.5M |
| Q2 2024 | 80.82% | 90.28% | $0 | $51.0M |
| Q3 2024 | 84.01% | 90.66% | $0 | $50.0M |
| Q4 2024 | 77.15% | 90.69% | $0 | $49.0M |
| Q1 2025 | 77.04% | 88.63% | $0 | $47.0M |
| Q2 2025 | 81.41% | 88.68% | $0 | $44.5M |
| Q3 2025 | 85.67% | 84.32% | $0 | $48.5M |
| Q4 2025 | 77.75% | 85.47% | $0 | $42.5M |
| Q1 2026 | 77.73% | 84.65% | $0 | $41.5M |
| Q2 2026 | 80.62% | 84.75% | $0 | $42.5M |
Citizens State Bank and Trust Co., Ellsworth, Kansas 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 and Trust Co., Ellsworth, Kansas, 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 and Trust Co., Ellsworth, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11778) · FFIEC NIC profile (RSSD 733951)