American Business Bank: 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.
Cash and balances due from depository institutions climbed 12.0% in Q2 2026, from $194.5M to $217.8M. It was the largest change from Q1 2026 among the key lines here. Within California, American Business Bank is 84th of 114 on loan-to-deposit ratio, 79.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Business Bank sits 8.86 points lower, at 79.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $217.8M |
| Cash and noninterest-bearing balances to assets | 4.93% |
| Cash and securities | $1.19B |
| 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 | $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 | 79.34% |
| Net loans and leases to deposits | 78.46% |
| Loans and leases to core deposits | 81.55% |
| Core deposits to total deposits | 97.29% |
| 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 | 71.69% | 94.79% | $0 | $40.0M |
| Q4 2023 | 73.76% | 94.56% | $0 | $55.0M |
| Q1 2024 | 77.75% | 94.37% | $0 | $210.0M |
| Q2 2024 | 75.24% | 94.36% | $0 | $100.0M |
| Q3 2024 | 70.60% | 93.48% | $0 | $0 |
| Q4 2024 | 75.48% | 93.89% | $0 | $0 |
| Q1 2025 | 75.34% | 94.29% | $0 | $0 |
| Q2 2025 | 74.76% | 95.06% | $0 | $0 |
| Q3 2025 | 73.04% | 95.71% | $0 | $0 |
| Q4 2025 | 77.03% | 97.08% | $0 | $0 |
| Q1 2026 | 79.32% | 97.10% | $0 | $0 |
| Q2 2026 | 79.34% | 97.29% | $0 | $0 |
American Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34788) · FFIEC NIC profile (RSSD 2734729)