AB&T: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, AB&T reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $18.6M in Q3 2026, up 41.6% from $13.1M in Q3 2025. That is 6.8% of its total assets. Across the 12 quarters shown it ranged from $13.1M (Q3 2025) to $24.3M (Q4 2024).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 26.8% higher than in Q2 2026, at $18.6M. Within Georgia, AB&T is 57th of 122 on loan-to-deposit ratio, 83.05% as of Q3 2026. The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio; AB&T reported 83.05% for Q3 2026, nearly level with it.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.8M |
| Fed funds sold and reverse repos | $24.6M |
| Fed funds sold and reverse repos to assets | 9.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.97% |
| Trading liabilities | $0 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.05% |
| Net loans and leases to deposits | 82.00% |
| Loans and leases to core deposits | 85.58% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 4.25% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 80.96% | 97.00% | $0 | $4.4M |
| Q1 2024 | 75.87% | 96.81% | $0 | $2.2M |
| Q2 2024 | 79.04% | 96.39% | $0 | $2.7M |
| Q3 2024 | 74.96% | 95.97% | $0 | $2.4M |
| Q4 2024 | 71.85% | 96.06% | $0 | $2.3M |
| Q1 2025 | 70.80% | 95.86% | $0 | $1.9M |
| Q2 2025 | 78.08% | 96.45% | $0 | $643K |
| Q3 2025 | 84.01% | 95.54% | $0 | $643K |
| Q4 2025 | 75.64% | 96.03% | $0 | $424K |
| Q1 2026 | 76.06% | 94.51% | $0 | $424K |
| Q2 2026 | 81.96% | 93.88% | $0 | $384K |
| Q3 2026 | 83.05% | 92.80% | $0 | $5.4M |
AB&T liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. How these pages are built. See the full AB&T profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35029) · FFIEC NIC profile (RSSD 2775151)