Citizens State Bank of Milford: 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.
Cash and balances due from depository institutions dropped 37.9% in Q3 2026, from $4.8M to $3.0M. It was the largest change from Q2 2026 among the key lines here. Citizens State Bank of Milford has the 25th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 45.45% as of Q3 2026. Citizens State Bank of Milford reported 45.45% on loan-to-deposit ratio for Q3 2026, 22.47 points below the 67.92% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $443K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 45.45% |
| Net loans and leases to deposits | 45.19% |
| Loans and leases to core deposits | 45.81% |
| Core deposits to total deposits | 99.22% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 44.59% | 98.08% | $507K | $0 |
| Q1 2024 | 46.98% | 98.06% | $0 | $2.0M |
| Q2 2024 | 42.29% | 97.96% | $0 | $0 |
| Q3 2024 | 46.94% | 97.93% | $715K | $0 |
| Q4 2024 | 43.65% | 99.22% | $0 | $0 |
| Q1 2025 | 42.57% | 99.23% | $0 | $0 |
| Q2 2025 | 39.06% | 99.16% | $0 | $0 |
| Q3 2025 | 41.19% | 99.17% | $0 | $0 |
| Q4 2025 | 46.19% | 99.25% | $0 | $0 |
| Q1 2026 | 41.89% | 99.26% | $0 | $0 |
| Q2 2026 | 42.96% | 99.24% | $0 | $0 |
| Q3 2026 | 45.45% | 99.22% | $443K | $0 |
Citizens State Bank of Milford 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 Milford, 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 Milford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 931) · FFIEC NIC profile (RSSD 771047)