Citizens Trust 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.
Cash and noninterest-bearing balances to assets dropped 0.92 percentage points in Q2 2026, from 5.49% to 4.57%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Citizens Trust Bank is 99th of 122 on loan-to-deposit ratio, 57.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens Trust Bank sits 23.07 points lower, at 57.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.6M |
| Cash and noninterest-bearing balances to assets | 4.57% |
| Cash and securities | $365.2M |
| Fed funds sold and reverse repos | $37.4M |
| Fed funds sold and reverse repos to assets | 4.73% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $585K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.49% |
| Net loans and leases to deposits | 56.76% |
| Loans and leases to core deposits | 58.41% |
| Core deposits to total deposits | 98.29% |
| Brokered deposits to total deposits | 0.13% |
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 | 60.08% | 98.50% | $0 | $1.6M |
| Q4 2023 | 57.15% | 98.58% | $0 | $1.5M |
| Q1 2024 | 61.45% | 98.53% | $0 | $1.4M |
| Q2 2024 | 60.61% | 98.52% | $0 | $1.4M |
| Q3 2024 | 60.60% | 98.48% | $0 | $1.3M |
| Q4 2024 | 58.69% | 98.47% | $0 | $1.2M |
| Q1 2025 | 60.06% | 98.45% | $0 | $1.1M |
| Q2 2025 | 58.56% | 98.40% | $0 | $987K |
| Q3 2025 | 58.03% | 98.39% | $0 | $889K |
| Q4 2025 | 55.76% | 98.46% | $0 | $789K |
| Q1 2026 | 57.46% | 98.18% | $0 | $688K |
| Q2 2026 | 57.49% | 98.29% | $0 | $585K |
Citizens Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8033) · FFIEC NIC profile (RSSD 680130)