American 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 Loans and leases to core deposits: 3.86 percentage points higher than in Q1 2026, at 110.98%. American Bank ranks 25th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 98.82% (Q2 2026). American Bank reported 98.82% on loan-to-deposit ratio for Q2 2026, 10.62 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.5M |
| Cash and noninterest-bearing balances to assets | 2.83% |
| Cash and securities | $158.1M |
| 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 | $0 |
| Other borrowed money | $63.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.68% |
| Trading liabilities | $3.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.82% |
| Net loans and leases to deposits | 97.90% |
| Loans and leases to core deposits | 110.98% |
| Core deposits to total deposits | 89.05% |
| 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 | 108.00% | 92.32% | $31.2M | $76.0M |
| Q4 2023 | 105.39% | 91.99% | $681K | $96.0M |
| Q1 2024 | 107.02% | 91.30% | $0 | $69.0M |
| Q2 2024 | 103.74% | 91.06% | $0 | $60.0M |
| Q3 2024 | 107.86% | 90.55% | $0 | $70.6M |
| Q4 2024 | 101.55% | 89.41% | $0 | $70.6M |
| Q1 2025 | 101.09% | 89.30% | $0 | $70.6M |
| Q2 2025 | 100.05% | 89.58% | $0 | $70.6M |
| Q3 2025 | 98.44% | 89.34% | $0 | $55.6M |
| Q4 2025 | 94.48% | 89.62% | $0 | $55.6M |
| Q1 2026 | 95.39% | 89.05% | $0 | $55.6M |
| Q2 2026 | 98.82% | 89.05% | $0 | $63.1M |
American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American 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 American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34422) · FFIEC NIC profile (RSSD 2580243)