American Bank & Trust Company Inc.: 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 sold and reverse repos: 890.3% higher than in Q1 2026, at $14.3M. American Bank & Trust Company Inc. ranks 29th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 93.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank & Trust Company Inc. sits 12.35 points higher, at 93.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.1M |
| Cash and noninterest-bearing balances to assets | 2.67% |
| Cash and securities | $142.4M |
| Fed funds sold and reverse repos | $14.3M |
| Fed funds sold and reverse repos to assets | 1.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $34.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.18% |
| Net loans and leases to deposits | 92.28% |
| Loans and leases to core deposits | 106.92% |
| Core deposits to total deposits | 80.23% |
| Brokered deposits to total deposits | 6.93% |
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 | 89.70% | 80.42% | $0 | $29.0M |
| Q4 2023 | 92.81% | 79.62% | $11.0M | $29.0M |
| Q1 2024 | 93.14% | 78.77% | $5.0M | $39.0M |
| Q2 2024 | 94.11% | 80.16% | $0 | $39.0M |
| Q3 2024 | 94.23% | 79.09% | $3.7M | $39.0M |
| Q4 2024 | 94.73% | 78.54% | $0 | $39.0M |
| Q1 2025 | 92.98% | 79.46% | $0 | $39.0M |
| Q2 2025 | 94.04% | 78.76% | $0 | $39.0M |
| Q3 2025 | 90.72% | 79.05% | $0 | $34.0M |
| Q4 2025 | 93.43% | 82.11% | $0 | $34.0M |
| Q1 2026 | 95.69% | 80.21% | $4.0M | $34.0M |
| Q2 2026 | 93.18% | 80.23% | $0 | $34.0M |
American Bank & Trust Company Inc. 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 Company Inc., 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 Company Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35568) · FFIEC NIC profile (RSSD 2919898)