American Bank, 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: 46.1% lower than in Q1 2026, at $27.0M. On loan-to-deposit ratio, American Bank, N.A. ranks 8th highest among the 225 banks headquartered in Iowa, at 109.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank, N.A. sits 28.16 points higher, at 109.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.5M |
| Cash and noninterest-bearing balances to assets | 4.78% |
| Cash and securities | $30.2M |
| 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 | $27.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.00% |
| Net loans and leases to deposits | 107.72% |
| Loans and leases to core deposits | 126.71% |
| Core deposits to total deposits | 82.23% |
| Brokered deposits to total deposits | 3.80% |
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 | 106.60% | 82.63% | $0 | $54.0M |
| Q4 2023 | 99.40% | 81.26% | $0 | $25.0M |
| Q1 2024 | 110.81% | 78.79% | $0 | $69.5M |
| Q2 2024 | 104.69% | 79.90% | $0 | $65.0M |
| Q3 2024 | 112.97% | 84.25% | $0 | $75.0M |
| Q4 2024 | 110.90% | 82.23% | $0 | $62.5M |
| Q1 2025 | 108.95% | 79.70% | $0 | $57.5M |
| Q2 2025 | 108.54% | 79.72% | $0 | $40.0M |
| Q3 2025 | 107.03% | 82.58% | $0 | $32.5M |
| Q4 2025 | 109.72% | 84.29% | $0 | $37.5M |
| Q1 2026 | 113.24% | 85.15% | $0 | $50.1M |
| Q2 2026 | 109.00% | 82.23% | $0 | $27.0M |
American Bank, 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, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5800) · FFIEC NIC profile (RSSD 345345)