American Bank of Freedom: 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 2.20 percentage points in Q2 2026, from 104.15% to 101.94%. It was the largest change from Q1 2026 among the key lines here. American Bank of Freedom ranks 43rd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 95.00% (Q2 2026). American Bank of Freedom reported 95.00% on loan-to-deposit ratio for Q2 2026, 14.06 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $131.0M |
| Cash and noninterest-bearing balances to assets | 13.81% |
| Cash and securities | $213.7M |
| 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 | $108.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.00% |
| Net loans and leases to deposits | 93.76% |
| Loans and leases to core deposits | 101.94% |
| Core deposits to total deposits | 86.77% |
| Brokered deposits to total deposits | 6.42% |
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 | 114.20% | 81.78% | $0 | $118.0M |
| Q4 2023 | 108.52% | 78.94% | $0 | $138.0M |
| Q1 2024 | 109.22% | 78.20% | $0 | $120.0M |
| Q2 2024 | 110.08% | 76.55% | $0 | $132.5M |
| Q3 2024 | 108.85% | 75.70% | $0 | $132.5M |
| Q4 2024 | 106.31% | 80.12% | $0 | $122.5M |
| Q1 2025 | 108.92% | 82.31% | $0 | $135.5M |
| Q2 2025 | 108.99% | 83.13% | $0 | $138.0M |
| Q3 2025 | 104.08% | 84.08% | $0 | $133.0M |
| Q4 2025 | 100.01% | 85.31% | $0 | $133.0M |
| Q1 2026 | 97.13% | 85.63% | $0 | $130.0M |
| Q2 2026 | 95.00% | 86.77% | $0 | $108.0M |
American Bank of Freedom 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 Freedom, 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 Freedom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15423) · FFIEC NIC profile (RSSD 568359)