Planters and 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.
Loans and leases to core deposits climbed 8.54 percentage points in Q2 2026, from 73.03% to 81.57%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Planters and Citizens Bank is 68th of 122 on loan-to-deposit ratio, 76.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Planters and Citizens Bank sits 4.14 points lower, at 76.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.9M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.93% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.42% |
| Net loans and leases to deposits | 75.34% |
| Loans and leases to core deposits | 81.57% |
| Core deposits to total deposits | 93.69% |
| 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 | 50.52% | 97.34% | $0 | $0 |
| Q4 2023 | 56.15% | 97.53% | $0 | $0 |
| Q1 2024 | 58.75% | 96.99% | $0 | $0 |
| Q2 2024 | 64.20% | 91.82% | $0 | $6.2M |
| Q3 2024 | 64.75% | 91.41% | $0 | $6.2M |
| Q4 2024 | 68.35% | 91.33% | $0 | $9.2M |
| Q1 2025 | 67.19% | 91.30% | $0 | $9.2M |
| Q2 2025 | 68.52% | 91.26% | $0 | $9.2M |
| Q3 2025 | 63.56% | 91.52% | $0 | $9.2M |
| Q4 2025 | 63.29% | 89.67% | $0 | $9.2M |
| Q1 2026 | 68.65% | 91.19% | $0 | $9.2M |
| Q2 2026 | 76.42% | 93.69% | $0 | $9.1M |
Planters and Citizens Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters and 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 Planters and Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10072) · FFIEC NIC profile (RSSD 132938)