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.
Loans and leases to core deposits climbed 4.39 percentage points in Q2 2026, from 76.18% to 80.56%. It was the largest change from Q1 2026 among the key lines here. City Bank & Trust Co. ranks 69th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 72.05% (Q2 2026). City Bank & Trust Co. reported 72.05% on loan-to-deposit ratio for Q2 2026, 8.78 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.2M |
| 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 | $5.3M |
| 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 | 72.05% |
| Net loans and leases to deposits | 71.34% |
| Loans and leases to core deposits | 80.56% |
| Core deposits to total deposits | 89.44% |
| 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 | 55.86% | 98.45% | $3.6M | $0 |
| Q4 2023 | 54.90% | 98.36% | $2.6M | $0 |
| Q1 2024 | 64.45% | 98.12% | $2.9M | $0 |
| Q2 2024 | 70.86% | 98.06% | $3.4M | $22.2M |
| Q3 2024 | 73.71% | 98.28% | $3.7M | $12.0M |
| Q4 2024 | 65.78% | 98.49% | $3.4M | $0 |
| Q1 2025 | 71.56% | 98.22% | $3.1M | $0 |
| Q2 2025 | 71.61% | 91.52% | $3.4M | $0 |
| Q3 2025 | 75.38% | 90.29% | $5.7M | $0 |
| Q4 2025 | 68.91% | 91.69% | $4.9M | $0 |
| Q1 2026 | 68.54% | 89.98% | $5.1M | $0 |
| Q2 2026 | 72.05% | 89.44% | $5.3M | $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 12608) · FFIEC NIC profile (RSSD 841753)