Citizens State Bank of Luling: 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 Cash and balances due from depository institutions: 124.7% higher than in Q1 2026, at $14.6M. Citizens State Bank of Luling ranks 70th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.58% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens State Bank of Luling sits 19.96 points higher, at 87.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.6M |
| 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 | $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 | 87.58% |
| Net loans and leases to deposits | 85.40% |
| Loans and leases to core deposits | 91.43% |
| Core deposits to total deposits | 95.78% |
| 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 | 94.21% | 97.32% | $0 | $0 |
| Q4 2023 | 97.43% | 96.32% | $0 | $2.0M |
| Q1 2024 | 89.16% | 96.11% | $0 | $0 |
| Q2 2024 | 83.65% | 95.96% | $0 | $0 |
| Q3 2024 | 84.28% | 94.73% | $0 | $0 |
| Q4 2024 | 93.32% | 93.71% | $0 | $0 |
| Q1 2025 | 97.70% | 94.36% | $0 | $0 |
| Q2 2025 | 106.59% | 95.27% | $0 | $3.0M |
| Q3 2025 | 97.16% | 96.35% | $0 | $0 |
| Q4 2025 | 101.38% | 96.01% | $0 | $0 |
| Q1 2026 | 99.64% | 95.94% | $0 | $1.0M |
| Q2 2026 | 87.58% | 95.78% | $0 | $0 |
Citizens State Bank of Luling 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 Luling, 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 Luling profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10327) · FFIEC NIC profile (RSSD 954653)