Citizens State Bank of Roseau: 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 70.0% in Q2 2026, from $9.2M to $2.8M. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of Roseau ranks 167th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 67.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens State Bank of Roseau sits 12.87 points lower, at 67.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.8M |
| 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 | $6.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.96% |
| Net loans and leases to deposits | 67.27% |
| Loans and leases to core deposits | 73.50% |
| Core deposits to total deposits | 92.47% |
| 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 | 57.74% | 93.94% | $0 | $5.0M |
| Q4 2023 | 60.06% | 93.53% | $0 | $3.0M |
| Q1 2024 | 59.07% | 92.54% | $0 | $25.0M |
| Q2 2024 | 60.58% | 91.93% | $0 | $25.0M |
| Q3 2024 | 64.74% | 91.56% | $0 | $25.0M |
| Q4 2024 | 65.74% | 91.98% | $0 | $9.0M |
| Q1 2025 | 60.74% | 92.55% | $0 | $0 |
| Q2 2025 | 64.70% | 92.27% | $0 | $2.9M |
| Q3 2025 | 63.88% | 92.56% | $0 | $0 |
| Q4 2025 | 64.94% | 93.32% | $0 | $0 |
| Q1 2026 | 63.91% | 93.33% | $0 | $0 |
| Q2 2026 | 67.96% | 92.47% | $0 | $6.8M |
Citizens State Bank of Roseau 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 Roseau, 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 Roseau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10167) · FFIEC NIC profile (RSSD 822051)