Citizens Tri-County 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% higher than in Q1 2026, at $100.0M. Citizens Tri-County Bank ranks 81st of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 72.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Tri-County Bank sits 15.45 points lower, at 72.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $232.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $426.4M |
| Fed funds sold and reverse repos | $100.0M |
| Fed funds sold and reverse repos to assets | 6.10% |
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 | 72.75% |
| Net loans and leases to deposits | 71.57% |
| Loans and leases to core deposits | 80.30% |
| Core deposits to total deposits | 90.59% |
| 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 | 73.08% | 92.36% | $0 | $0 |
| Q4 2023 | 72.29% | 92.13% | $0 | $0 |
| Q1 2024 | 70.32% | 91.65% | $0 | $0 |
| Q2 2024 | 69.25% | 91.14% | $0 | $0 |
| Q3 2024 | 70.03% | 90.40% | $0 | $0 |
| Q4 2024 | 69.51% | 90.95% | $0 | $0 |
| Q1 2025 | 68.30% | 91.14% | $0 | $0 |
| Q2 2025 | 69.53% | 89.81% | $0 | $0 |
| Q3 2025 | 72.53% | 90.95% | $0 | $0 |
| Q4 2025 | 74.49% | 90.63% | $0 | $0 |
| Q1 2026 | 71.12% | 91.01% | $0 | $0 |
| Q2 2026 | 72.75% | 90.59% | $0 | $0 |
Citizens Tri-County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Tri-County 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 Citizens Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20818) · FFIEC NIC profile (RSSD 162337)