American Bank of Commerce: 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 Fed funds purchased and repos: 94.7% lower than in Q1 2026, at $501K. Within Texas, American Bank of Commerce is 71st of 346 on loan-to-deposit ratio, 87.48% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; American Bank of Commerce reported 87.48% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $91.4M |
| Cash and noninterest-bearing balances to assets | 4.91% |
| Cash and securities | $510.5M |
| 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 | $501K |
| Other borrowed money | $250.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.48% |
| Net loans and leases to deposits | 86.42% |
| Loans and leases to core deposits | 94.93% |
| Core deposits to total deposits | 85.93% |
| Brokered deposits to total deposits | 6.23% |
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 | 69.92% | 92.29% | $13.9M | $75.0M |
| Q4 2023 | 69.84% | 91.84% | $13.5M | $38.0M |
| Q1 2024 | 67.38% | 92.70% | $13.0M | $0 |
| Q2 2024 | 69.21% | 92.62% | $11.6M | $15.0M |
| Q3 2024 | 67.84% | 90.02% | $8.9M | $20.0M |
| Q4 2024 | 67.16% | 91.08% | $10.4M | $0 |
| Q1 2025 | 70.03% | 91.14% | $8.9M | $40.0M |
| Q2 2025 | 69.26% | 87.06% | $5.3M | $140.0M |
| Q3 2025 | 74.03% | 86.71% | $6.4M | $185.0M |
| Q4 2025 | 82.08% | 86.47% | $11.5M | $220.0M |
| Q1 2026 | 87.57% | 85.57% | $9.5M | $220.0M |
| Q2 2026 | 87.48% | 85.93% | $501K | $250.0M |
American Bank of Commerce 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 Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)