American Bank of Baxter Springs: 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.
Loan-to-deposit ratio climbed 10.85 percentage points in Q2 2026, from 57.40% to 68.24%. It was the largest change from Q1 2026 among the key lines here. American Bank of Baxter Springs ranks 116th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 68.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. American Bank of Baxter Springs sits 12.70 points lower, at 68.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.6M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 1.72% |
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 | 68.24% |
| Net loans and leases to deposits | 67.21% |
| Loans and leases to core deposits | 108.00% |
| Core deposits to total deposits | 63.19% |
| 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 | 61.69% | 88.37% | $0 | $0 |
| Q4 2023 | 56.72% | 87.89% | $0 | $0 |
| Q1 2024 | 62.09% | 85.83% | $0 | $0 |
| Q2 2024 | 56.80% | 86.08% | $0 | $0 |
| Q3 2024 | 60.56% | 84.54% | $0 | $0 |
| Q4 2024 | 59.55% | 85.61% | $0 | $0 |
| Q1 2025 | 47.69% | 90.06% | $0 | $0 |
| Q2 2025 | 53.15% | 62.95% | $0 | $0 |
| Q3 2025 | 58.98% | 55.36% | $0 | $0 |
| Q4 2025 | 54.24% | 60.04% | $0 | $0 |
| Q1 2026 | 57.40% | 58.76% | $0 | $0 |
| Q2 2026 | 68.24% | 63.19% | $0 | $0 |
American Bank of Baxter Springs liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Baxter Springs, 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 of Baxter Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4624) · FFIEC NIC profile (RSSD 1002953)