American Commercial Bank & Trust, 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 Other borrowed money: 197.0% higher than in Q1 2026, at $19.6M. American Commercial Bank & Trust, N.A. ranks 37th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 95.22% (Q2 2026). American Commercial Bank & Trust, N.A. reported 95.22% on loan-to-deposit ratio for Q2 2026, 7.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $241.6M |
| 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 | $19.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Net loans and leases to deposits | 93.80% |
| Loans and leases to core deposits | 97.43% |
| Core deposits to total deposits | 73.22% |
| Brokered deposits to total deposits | 24.51% |
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 | 97.34% | 78.16% | $0 | $73.2M |
| Q4 2023 | 100.84% | 71.09% | $0 | $108.2M |
| Q1 2024 | 95.60% | 70.98% | $0 | $39.2M |
| Q2 2024 | 94.38% | 70.11% | $0 | $35.2M |
| Q3 2024 | 94.38% | 70.08% | $0 | $30.2M |
| Q4 2024 | 95.69% | 71.96% | $0 | $42.2M |
| Q1 2025 | 95.25% | 70.28% | $0 | $39.4M |
| Q2 2025 | 94.67% | 70.28% | $0 | $33.0M |
| Q3 2025 | 91.59% | 71.64% | $0 | $8.0M |
| Q4 2025 | 99.61% | 70.24% | $0 | $92.7M |
| Q1 2026 | 94.57% | 71.28% | $0 | $6.6M |
| Q2 2026 | 95.22% | 73.22% | $0 | $19.6M |
American Commercial Bank & Trust, 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 Commercial Bank & Trust, 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 Commercial Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)