The Citizens State Bank at Mohall: 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 14.47 percentage points in Q2 2026, from 90.51% to 104.98%. It was the largest change from Q1 2026 among the key lines here. The Citizens State Bank at Mohall ranks 22nd of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 84.71% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Citizens State Bank at Mohall sits 17.09 points higher, at 84.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $525K |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.0M |
| 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 | $755K |
| 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 | 84.71% |
| Net loans and leases to deposits | 84.13% |
| Loans and leases to core deposits | 104.98% |
| Core deposits to total deposits | 80.69% |
| 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 | 88.68% | 92.50% | $4.4M | $0 |
| Q4 2023 | 84.85% | 92.68% | $3.2M | $0 |
| Q1 2024 | 80.10% | 91.52% | $0 | $0 |
| Q2 2024 | 85.68% | 89.68% | $680K | $0 |
| Q3 2024 | 88.95% | 89.99% | $3.0M | $0 |
| Q4 2024 | 86.23% | 89.88% | $630K | $0 |
| Q1 2025 | 80.05% | 90.13% | $0 | $0 |
| Q2 2025 | 87.49% | 88.44% | $3.6M | $0 |
| Q3 2025 | 88.02% | 87.64% | $3.7M | $0 |
| Q4 2025 | 89.66% | 83.71% | $4.4M | $0 |
| Q1 2026 | 76.24% | 84.24% | $0 | $0 |
| Q2 2026 | 84.71% | 80.69% | $755K | $0 |
The Citizens State Bank at Mohall liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank at Mohall, 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 The Citizens State Bank at Mohall profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8632) · FFIEC NIC profile (RSSD 688453)