Citizens State Bank of New Castle: 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.
Loans and leases to core deposits climbed 1.03 percentage points in Q2 2026, from 74.59% to 75.62%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of New Castle ranks 62nd of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 74.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens State Bank of New Castle sits 6.65 points lower, at 74.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $291.0M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.19% |
| Net loans and leases to deposits | 73.18% |
| Loans and leases to core deposits | 75.62% |
| Core deposits to total deposits | 97.47% |
| Brokered deposits to total deposits | 0.64% |
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 | 62.53% | 97.69% | $0 | $25.0M |
| Q4 2023 | 64.38% | 97.69% | $0 | $25.0M |
| Q1 2024 | 66.48% | 98.11% | $0 | $25.0M |
| Q2 2024 | 68.00% | 97.74% | $0 | $25.0M |
| Q3 2024 | 69.12% | 95.56% | $0 | $25.0M |
| Q4 2024 | 66.29% | 95.69% | $0 | $5.0M |
| Q1 2025 | 66.41% | 95.87% | $0 | $5.0M |
| Q2 2025 | 69.12% | 96.75% | $0 | $15.0M |
| Q3 2025 | 73.06% | 97.19% | $0 | $20.0M |
| Q4 2025 | 72.49% | 96.80% | $0 | $20.0M |
| Q1 2026 | 73.22% | 96.87% | $0 | $15.0M |
| Q2 2026 | 74.19% | 97.47% | $0 | $15.0M |
Citizens State Bank of New Castle 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 New Castle, 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 New Castle profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13107) · FFIEC NIC profile (RSSD 1000641)