American Commerce Bank, N.A.: 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 Loan-to-deposit ratio: 4.13 percentage points lower than in Q1 2026, at 104.65%. Among 122 Georgia banks, American Commerce Bank, N.A. sits 4th from the top on loan-to-deposit ratio, 104.65% as of Q2 2026. American Commerce Bank, N.A. reported 104.65% on loan-to-deposit ratio for Q2 2026, 23.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.3M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.65% |
| Net loans and leases to deposits | 102.37% |
| Loans and leases to core deposits | 116.61% |
| Core deposits to total deposits | 85.11% |
| Brokered deposits to total deposits | 9.39% |
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 | 99.44% | 84.77% | $0 | $15.0M |
| Q4 2023 | 99.34% | 85.07% | $0 | $10.0M |
| Q1 2024 | 102.99% | 85.34% | $0 | $10.0M |
| Q2 2024 | 107.32% | 84.03% | $0 | $15.0M |
| Q3 2024 | 105.76% | 83.29% | $0 | $15.0M |
| Q4 2024 | 101.24% | 84.89% | $0 | $15.0M |
| Q1 2025 | 105.90% | 85.58% | $0 | $15.0M |
| Q2 2025 | 105.68% | 85.86% | $0 | $15.0M |
| Q3 2025 | 102.02% | 86.75% | $0 | $15.0M |
| Q4 2025 | 107.67% | 86.77% | $0 | $15.0M |
| Q1 2026 | 108.78% | 85.60% | $0 | $15.0M |
| Q2 2026 | 104.65% | 85.11% | $0 | $15.0M |
American Commerce Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commerce Bank, N.A., 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 Commerce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57686) · FFIEC NIC profile (RSSD 3272956)