Citizens State Bank Norwood Young America: 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.
Compared with Q1 2026, Cash and balances due from depository institutions fell 6.3% in Q2 2026 to $29.7M, the biggest move on this page. Within Minnesota, Citizens State Bank Norwood Young America is 191st of 221 on loan-to-deposit ratio, 56.18% as of Q2 2026, below 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 Norwood Young America sits 24.66 points lower, at 56.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.6M |
| Fed funds sold and reverse repos | $131K |
| Fed funds sold and reverse repos to assets | 0.09% |
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 | 56.18% |
| Net loans and leases to deposits | 55.40% |
| Loans and leases to core deposits | 57.82% |
| Core deposits to total deposits | 97.17% |
| 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 | 52.77% | 96.42% | $0 | $0 |
| Q4 2023 | 57.05% | 95.64% | $0 | $0 |
| Q1 2024 | 59.55% | 96.39% | $0 | $6.0M |
| Q2 2024 | 54.43% | 96.09% | $0 | $6.0M |
| Q3 2024 | 55.23% | 96.51% | $0 | $6.0M |
| Q4 2024 | 56.52% | 97.22% | $0 | $0 |
| Q1 2025 | 54.52% | 97.11% | $0 | $0 |
| Q2 2025 | 57.10% | 96.83% | $0 | $0 |
| Q3 2025 | 55.76% | 96.74% | $0 | $0 |
| Q4 2025 | 55.06% | 97.10% | $0 | $0 |
| Q1 2026 | 56.63% | 97.21% | $0 | $0 |
| Q2 2026 | 56.18% | 97.17% | $0 | $0 |
Citizens State Bank Norwood Young America 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 Norwood Young America, 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 Norwood Young America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1933) · FFIEC NIC profile (RSSD 875655)