American Bank and Trust Company: 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 Cash and balances due from depository institutions: 206.0% higher than in Q1 2026, at $22.9M. American Bank and Trust Company ranks 102nd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 72.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. American Bank and Trust Company sits 8.55 points lower, at 72.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $107.1M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.39% |
| Net loans and leases to deposits | 71.55% |
| Loans and leases to core deposits | 85.40% |
| Core deposits to total deposits | 79.54% |
| Brokered deposits to total deposits | 5.22% |
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 | 59.30% | 84.58% | $0 | $4.4M |
| Q4 2023 | 59.90% | 83.43% | $0 | $4.4M |
| Q1 2024 | 58.67% | 84.19% | $0 | $4.3M |
| Q2 2024 | 66.45% | 83.37% | $0 | $4.3M |
| Q3 2024 | 63.53% | 83.27% | $0 | $4.1M |
| Q4 2024 | 71.97% | 83.10% | $0 | $4.1M |
| Q1 2025 | 76.37% | 83.67% | $0 | $4.0M |
| Q2 2025 | 73.06% | 82.07% | $0 | $4.0M |
| Q3 2025 | 68.68% | 81.75% | $0 | $3.8M |
| Q4 2025 | 73.86% | 80.02% | $0 | $3.8M |
| Q1 2026 | 76.24% | 80.18% | $0 | $3.8M |
| Q2 2026 | 72.39% | 79.54% | $0 | $3.8M |
American Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20537) · FFIEC NIC profile (RSSD 452159)