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.
Loans and leases to core deposits climbed 2.41 percentage points in Q2 2026, from 94.69% to 97.10%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, American Bank is 59th of 103 on loan-to-deposit ratio, 77.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank sits 3.62 points lower, at 77.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $86.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.1M |
| 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 | $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 | 77.21% |
| Net loans and leases to deposits | 75.82% |
| Loans and leases to core deposits | 97.10% |
| Core deposits to total deposits | 79.52% |
| 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 | 88.19% | 80.45% | $0 | $0 |
| Q4 2023 | 90.25% | 74.70% | $0 | $6.0M |
| Q1 2024 | 93.27% | 71.36% | $0 | $10.0M |
| Q2 2024 | 83.80% | 72.97% | $0 | $0 |
| Q3 2024 | 82.30% | 74.31% | $0 | $0 |
| Q4 2024 | 84.26% | 75.25% | $0 | $0 |
| Q1 2025 | 80.25% | 76.01% | $0 | $0 |
| Q2 2025 | 80.84% | 77.76% | $0 | $0 |
| Q3 2025 | 76.17% | 77.46% | $0 | $0 |
| Q4 2025 | 77.91% | 77.36% | $0 | $0 |
| Q1 2026 | 75.56% | 79.64% | $0 | $0 |
| Q2 2026 | 77.21% | 79.52% | $0 | $0 |
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 19234) · FFIEC NIC profile (RSSD 597452)