City Bank & Trust Co.: 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 Core deposits to total deposits: 3.31 percentage points higher than in Q1 2026, at 88.74%. Among 138 Nebraska banks, City Bank & Trust Co. sits 10th from the top on loan-to-deposit ratio, 102.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. City Bank & Trust Co. sits 21.45 points higher, at 102.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.3M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 0.74% |
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 | 102.29% |
| Net loans and leases to deposits | 100.83% |
| Loans and leases to core deposits | 109.28% |
| Core deposits to total deposits | 88.74% |
| Brokered deposits to total deposits | 4.85% |
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 | 107.06% | 84.69% | $181K | $19.0M |
| Q4 2023 | 108.23% | 80.21% | $425K | $24.2M |
| Q1 2024 | 113.47% | 75.82% | $0 | $30.6M |
| Q2 2024 | 102.58% | 72.96% | $0 | $5.0M |
| Q3 2024 | 95.47% | 74.23% | $261K | $0 |
| Q4 2024 | 99.77% | 74.17% | $450K | $0 |
| Q1 2025 | 97.87% | 74.75% | $1K | $0 |
| Q2 2025 | 104.86% | 82.31% | $1K | $8.0M |
| Q3 2025 | 106.77% | 82.06% | $0 | $15.0M |
| Q4 2025 | 105.25% | 84.47% | $330K | $10.0M |
| Q1 2026 | 102.98% | 85.44% | $295K | $0 |
| Q2 2026 | 102.29% | 88.74% | $0 | $0 |
City Bank & Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5396) · FFIEC NIC profile (RSSD 79855)