Citizens State Bank and Trust Company: 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: 5.75 percentage points higher than in Q1 2026, at 85.10%. Within Kansas, Citizens State Bank and Trust Company is 65th of 182 on loan-to-deposit ratio, 82.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Citizens State Bank and Trust Company reported 82.47% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.5M |
| 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 | $5.1M |
| 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 | 82.47% |
| Net loans and leases to deposits | 81.70% |
| Loans and leases to core deposits | 85.10% |
| Core deposits to total deposits | 96.90% |
| 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 | 69.95% | 100.00% | $1.6M | $6.2M |
| Q4 2023 | 75.97% | 100.00% | $4.4M | $0 |
| Q1 2024 | 75.13% | 100.00% | $1.5M | $0 |
| Q2 2024 | 79.02% | 100.00% | $1.8M | $0 |
| Q3 2024 | 83.52% | 100.00% | $3.7M | $0 |
| Q4 2024 | 82.88% | 100.00% | $4.3M | $0 |
| Q1 2025 | 80.56% | 100.00% | $5.2M | $0 |
| Q2 2025 | 84.91% | 100.00% | $6.3M | $0 |
| Q3 2025 | 86.30% | 100.00% | $6.7M | $0 |
| Q4 2025 | 81.81% | 97.57% | $7.0M | $0 |
| Q1 2026 | 77.21% | 97.30% | $6.2M | $0 |
| Q2 2026 | 82.47% | 96.90% | $5.1M | $0 |
Citizens State Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5830) · FFIEC NIC profile (RSSD 678557)