American Bank and Trust Company, N.A.: 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 Other borrowed money: 110.4% higher than in Q1 2026, at $50.5M. Within Iowa, American Bank and Trust Company, N.A. is 97th of 225 on loan-to-deposit ratio, 85.49% as of Q2 2026, above the middle of the field. American Bank and Trust Company, N.A. reported 85.49% on loan-to-deposit ratio for Q2 2026, 4.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.2M |
| 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 | $50.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.49% |
| Net loans and leases to deposits | 84.40% |
| Loans and leases to core deposits | 90.27% |
| Core deposits to total deposits | 94.70% |
| 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 | 80.78% | 96.15% | $0 | $62.5M |
| Q4 2023 | 78.82% | 96.07% | $0 | $38.5M |
| Q1 2024 | 75.99% | 93.51% | $0 | $24.0M |
| Q2 2024 | 78.20% | 92.67% | $0 | $29.2M |
| Q3 2024 | 79.19% | 91.45% | $0 | $24.8M |
| Q4 2024 | 72.28% | 91.90% | $0 | $12.2M |
| Q1 2025 | 77.10% | 90.77% | $0 | $29.1M |
| Q2 2025 | 76.15% | 90.72% | $0 | $10.0M |
| Q3 2025 | 80.68% | 95.40% | $0 | $65.0M |
| Q4 2025 | 77.08% | 94.73% | $0 | $10.0M |
| Q1 2026 | 81.18% | 92.33% | $0 | $24.0M |
| Q2 2026 | 85.49% | 94.70% | $0 | $50.5M |
American Bank and Trust Company, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34955) · FFIEC NIC profile (RSSD 2733263)