American Bank of Commerce: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.87 percentage points in Q2 2026, from 30.36% to 28.49%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American Bank of Commerce is 60th of 346 on total deposits, $1.44B as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is $1.67B on total deposits. American Bank of Commerce sits 14% lower, at $1.44B (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $1.44B |
| Domestic office deposits | $1.44B |
| Foreign office deposits | — |
| Deposits to total assets | 77.53% |
| Deposits to total liabilities | 84.21% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $411.4M |
| Savings deposits | $62.2M |
| Transaction accounts to domestic deposits | 33.92% |
| Time deposits | $24K |
| Time deposits under $100k | $118.6M |
| Time deposits $100k to $250k | $108.7M |
| Time deposits over $250k | $113.2M |
| Noninterest-bearing share of deposits | 28.49% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $1.24B |
| Core deposits to total deposits | 85.93% |
| Insured deposits | $998.7M |
| Uninsured deposits | $445.0M |
| Uninsured deposits to total deposits | 30.82% |
| Brokered deposits | $90.0M |
| Brokered deposits to total deposits | 6.23% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.81% |
| Interest expense on deposits | $7.0M |
| Loans and leases to core deposits | 94.93% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $1.30B | 92.29% | 46.49% | 0.00% | 2.77% |
| Q4 2023 | $1.29B | 91.84% | 46.23% | 0.00% | 2.94% |
| Q1 2024 | $1.30B | 92.70% | 45.53% | 0.00% | 3.26% |
| Q2 2024 | $1.27B | 92.62% | 43.34% | 0.00% | 3.64% |
| Q3 2024 | $1.32B | 90.02% | 41.15% | 2.27% | 3.77% |
| Q4 2024 | $1.33B | 91.08% | 43.04% | 1.11% | 3.33% |
| Q1 2025 | $1.32B | 91.14% | 41.17% | 0.76% | 3.02% |
| Q2 2025 | $1.37B | 87.06% | 37.13% | 5.08% | 2.97% |
| Q3 2025 | $1.33B | 86.71% | 34.11% | 5.24% | 3.20% |
| Q4 2025 | $1.30B | 86.47% | 33.81% | 5.35% | 3.01% |
| Q1 2026 | $1.39B | 85.57% | 31.07% | 6.91% | 2.94% |
| Q2 2026 | $1.44B | 85.93% | 30.82% | 6.23% | 2.81% |
American Bank of Commerce deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Commerce, freeSource: Call Report Schedules RC-E and RC-O, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)