First Citizens 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.
Core deposits to total deposits dropped 1.59 percentage points in Q2 2026, from 87.21% to 85.62%. It was the largest change from Q1 2026 among the key lines here. First Citizens Bank ranks 50th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 67.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Citizens Bank sits 13.28 points lower, at 67.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.8M |
| Cash and noninterest-bearing balances to assets | 2.37% |
| Cash and securities | $151.9M |
| Fed funds sold and reverse repos | $6.2M |
| Fed funds sold and reverse repos to assets | 1.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.5M |
| 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 | 67.27% |
| Net loans and leases to deposits | 66.39% |
| Loans and leases to core deposits | 78.56% |
| Core deposits to total deposits | 85.62% |
| 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 | 69.27% | 88.68% | $2.5M | $10.0M |
| Q4 2023 | 71.57% | 87.71% | $5.9M | $10.0M |
| Q1 2024 | 69.62% | 87.60% | $3.1M | $8.0M |
| Q2 2024 | 68.93% | 87.31% | $1.8M | $7.0M |
| Q3 2024 | 68.75% | 87.39% | $5.2M | $5.0M |
| Q4 2024 | 65.62% | 87.05% | $8.5M | $0 |
| Q1 2025 | 65.98% | 87.07% | $2.9M | $0 |
| Q2 2025 | 65.05% | 86.74% | $3.4M | $0 |
| Q3 2025 | 65.94% | 86.88% | $4.1M | $0 |
| Q4 2025 | 65.51% | 87.33% | $4.3M | $0 |
| Q1 2026 | 67.89% | 87.21% | $2.6M | $0 |
| Q2 2026 | 67.27% | 85.62% | $2.5M | $0 |
First Citizens Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens 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 First Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23152) · FFIEC NIC profile (RSSD 541231)