American Bank of the Carolinas: 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 Loans and leases to core deposits: 21.91 percentage points higher than in Q1 2026, at 109.22%. Within North Carolina, American Bank of the Carolinas is 11th of 38 on loan-to-deposit ratio, 91.53% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank of the Carolinas sits 10.69 points higher, at 91.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.8M |
| Fed funds sold and reverse repos | $4.6M |
| Fed funds sold and reverse repos to assets | 2.16% |
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 | 91.53% |
| Net loans and leases to deposits | 90.62% |
| Loans and leases to core deposits | 109.22% |
| Core deposits to total deposits | 83.80% |
| 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 | 74.70% | 90.19% | $0 | $0 |
| Q4 2023 | 76.80% | 89.00% | $0 | $0 |
| Q1 2024 | 77.63% | 88.02% | $0 | $0 |
| Q2 2024 | 78.50% | 80.31% | $0 | $0 |
| Q3 2024 | 75.11% | 82.26% | $0 | $0 |
| Q4 2024 | 74.40% | 82.58% | $0 | $0 |
| Q1 2025 | 83.20% | 82.49% | $0 | $0 |
| Q2 2025 | 83.65% | 81.87% | $0 | $0 |
| Q3 2025 | 87.51% | 81.00% | $0 | $0 |
| Q4 2025 | 83.65% | 82.20% | $0 | $0 |
| Q1 2026 | 74.21% | 84.99% | $0 | $0 |
| Q2 2026 | 91.53% | 83.80% | $0 | $0 |
American Bank of the Carolinas 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 the Carolinas, 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 the Carolinas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)