American Bank & Trust: 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: 97.8% higher than in Q1 2026, at $7.9M. Within South Dakota, American Bank & Trust is 26th of 56 on loan-to-deposit ratio, 81.59% 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 & Trust sits 6.61 points lower, at 81.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $229.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $560.6M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.9M |
| Other borrowed money | $11.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.59% |
| Net loans and leases to deposits | 80.66% |
| Loans and leases to core deposits | 93.41% |
| Core deposits to total deposits | 87.35% |
| 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 | 89.27% | 91.67% | $7.9M | $34.5M |
| Q4 2023 | 89.70% | 91.26% | $6.4M | $34.4M |
| Q1 2024 | 87.80% | 91.43% | $4.6M | $34.5M |
| Q2 2024 | 91.35% | 90.20% | $11.9M | $37.3M |
| Q3 2024 | 86.94% | 87.89% | $11.5M | $23.5M |
| Q4 2024 | 84.39% | 88.41% | $4.4M | $23.5M |
| Q1 2025 | 82.75% | 88.53% | $3.0M | $21.8M |
| Q2 2025 | 86.39% | 88.96% | $6.6M | $15.9M |
| Q3 2025 | 86.41% | 87.84% | $8.9M | $15.9M |
| Q4 2025 | 82.97% | 87.85% | $10.5M | $16.0M |
| Q1 2026 | 79.73% | 87.52% | $4.0M | $13.9M |
| Q2 2026 | 81.59% | 87.35% | $7.9M | $11.4M |
American Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1117) · FFIEC NIC profile (RSSD 275358)