Citizens State Bank of Loyal: 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.
Other borrowed money to assets dropped 1.41 percentage points in Q2 2026, from 9.44% to 8.02%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of Loyal ranks 127th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 72.68% (Q2 2026). Citizens State Bank of Loyal reported 72.68% on loan-to-deposit ratio for Q2 2026, 8.15 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 | $23.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.1M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 1.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.68% |
| Net loans and leases to deposits | 71.89% |
| Loans and leases to core deposits | 74.74% |
| Core deposits to total deposits | 97.25% |
| 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 | 66.96% | 96.40% | $0 | $24.0M |
| Q4 2023 | 67.45% | 95.83% | $0 | $29.0M |
| Q1 2024 | 70.79% | 95.37% | $0 | $29.0M |
| Q2 2024 | 72.95% | 95.27% | $0 | $29.0M |
| Q3 2024 | 68.08% | 91.65% | $0 | $29.0M |
| Q4 2024 | 70.26% | 91.91% | $0 | $29.0M |
| Q1 2025 | 71.09% | 92.58% | $0 | $29.0M |
| Q2 2025 | 67.22% | 91.57% | $0 | $29.0M |
| Q3 2025 | 71.85% | 95.06% | $0 | $29.0M |
| Q4 2025 | 72.96% | 95.58% | $0 | $29.0M |
| Q1 2026 | 72.38% | 97.57% | $0 | $29.0M |
| Q2 2026 | 72.68% | 97.25% | $0 | $25.0M |
Citizens State Bank of Loyal 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 Loyal, 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 Loyal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)