The Citizens State Bank: 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 5.19 percentage points in Q2 2026, from 74.99% to 80.18%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Citizens State Bank is 89th of 182 on loan-to-deposit ratio, 76.34% as of Q2 2026, above the middle of the field. The Citizens State Bank reported 76.34% on loan-to-deposit ratio for Q2 2026, 4.61 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.5M |
| Fed funds sold and reverse repos | $11.0M |
| Fed funds sold and reverse repos to assets | 3.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $857K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.34% |
| Net loans and leases to deposits | 75.33% |
| Loans and leases to core deposits | 80.18% |
| Core deposits to total deposits | 95.21% |
| 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 | 58.24% | 97.29% | $0 | $1.1M |
| Q4 2023 | 57.07% | 97.15% | $0 | $1.1M |
| Q1 2024 | 61.96% | 96.46% | $0 | $1.0M |
| Q2 2024 | 68.63% | 95.50% | $5.5M | $1.0M |
| Q3 2024 | 63.99% | 95.01% | $0 | $1.0M |
| Q4 2024 | 66.34% | 95.17% | $0 | $1.0M |
| Q1 2025 | 73.15% | 95.15% | $0 | $959K |
| Q2 2025 | 75.60% | 95.21% | $0 | $929K |
| Q3 2025 | 67.72% | 95.06% | $0 | $927K |
| Q4 2025 | 66.21% | 94.96% | $0 | $925K |
| Q1 2026 | 71.45% | 95.28% | $0 | $887K |
| Q2 2026 | 76.34% | 95.21% | $0 | $857K |
The Citizens State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, 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 The Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15111) · FFIEC NIC profile (RSSD 858854)