First Citizens State 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 purchased and repos: 528.2% higher than in Q1 2026, at $11.2M. On loan-to-deposit ratio, First Citizens State Bank ranks 12th highest among the 153 banks headquartered in Wisconsin, at 111.23% (Q2 2026). First Citizens State Bank reported 111.23% on loan-to-deposit ratio for Q2 2026, 30.68 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.8M |
| Fed funds sold and reverse repos | $649K |
| Fed funds sold and reverse repos to assets | 0.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $11.2M |
| Other borrowed money | $60.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.23% |
| Net loans and leases to deposits | 109.24% |
| Loans and leases to core deposits | 130.57% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 4.52% |
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 | 83.90% | 92.79% | $3.0M | $42.5M |
| Q4 2023 | 83.24% | 90.36% | $2.0M | $37.5M |
| Q1 2024 | 86.81% | 90.22% | $1.8M | $42.5M |
| Q2 2024 | 94.42% | 89.16% | $11.8M | $47.5M |
| Q3 2024 | 92.18% | 86.22% | $405K | $55.4M |
| Q4 2024 | 86.87% | 79.44% | $1.3M | $44.9M |
| Q1 2025 | 84.34% | 79.88% | $1.5M | $44.9M |
| Q2 2025 | 88.78% | 78.57% | $1.4M | $39.9M |
| Q3 2025 | 93.40% | 80.26% | $561K | $39.9M |
| Q4 2025 | 93.20% | 84.00% | $1.7M | $37.9M |
| Q1 2026 | 100.45% | 84.67% | $1.8M | $42.9M |
| Q2 2026 | 111.23% | 85.19% | $11.2M | $60.1M |
First Citizens State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)