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.
Loans and leases to core deposits dropped 4.78 percentage points in Q2 2026, from 110.75% to 105.97%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American Bank, N.A. is 93rd of 346 on loan-to-deposit ratio, 85.09% as of Q2 2026, above the middle of the field. American Bank, N.A. reported 85.09% on loan-to-deposit ratio for Q2 2026, 4.25 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 | $133.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.7M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.09% |
| Net loans and leases to deposits | 83.94% |
| Loans and leases to core deposits | 105.97% |
| Core deposits to total deposits | 80.30% |
| Brokered deposits to total deposits | 2.04% |
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 | 79.30% | 88.83% | $0 | $35.0M |
| Q4 2023 | 88.56% | 85.82% | $0 | $35.0M |
| Q1 2024 | 79.73% | 85.89% | $0 | $35.0M |
| Q2 2024 | 85.56% | 82.73% | $0 | $35.0M |
| Q3 2024 | 87.33% | 80.25% | $0 | $35.0M |
| Q4 2024 | 87.14% | 80.83% | $0 | $35.0M |
| Q1 2025 | 84.08% | 83.63% | $0 | $35.0M |
| Q2 2025 | 84.39% | 83.46% | $0 | $35.0M |
| Q3 2025 | 89.43% | 82.81% | $0 | $30.0M |
| Q4 2025 | 89.10% | 83.28% | $0 | $30.0M |
| Q1 2026 | 89.80% | 81.09% | $0 | $30.0M |
| Q2 2026 | 85.09% | 80.30% | $0 | $30.0M |
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 21567) · FFIEC NIC profile (RSSD 494654)