Citizens State Bank of Arlington: 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 Core deposits to total deposits: 0.87 percentage points lower than in Q1 2026, at 91.31%. Citizens State Bank of Arlington ranks 47th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 55.05% (Q2 2026). Citizens State Bank of Arlington reported 55.05% on loan-to-deposit ratio for Q2 2026, 25.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.1M |
| 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 | $700K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.05% |
| Net loans and leases to deposits | 54.15% |
| Loans and leases to core deposits | 60.28% |
| Core deposits to total deposits | 91.31% |
| 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 | 54.43% | 86.27% | $0 | $5.7M |
| Q4 2023 | 59.32% | 88.33% | $300K | $8.2M |
| Q1 2024 | 57.96% | 81.07% | $0 | $2.2M |
| Q2 2024 | 62.35% | 82.22% | $0 | $7.0M |
| Q3 2024 | 65.59% | 80.66% | $0 | $8.7M |
| Q4 2024 | 64.50% | 80.52% | $0 | $700K |
| Q1 2025 | 60.95% | 92.27% | $0 | $700K |
| Q2 2025 | 61.41% | 91.73% | $0 | $700K |
| Q3 2025 | 64.00% | 91.78% | $0 | $700K |
| Q4 2025 | 59.35% | 91.95% | $0 | $700K |
| Q1 2026 | 55.42% | 92.19% | $0 | $700K |
| Q2 2026 | 55.05% | 91.31% | $0 | $700K |
Citizens State Bank of Arlington 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 of Arlington, 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 of Arlington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1118) · FFIEC NIC profile (RSSD 274856)