American Community 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.
Loan-to-deposit ratio climbed 8.22 percentage points in Q2 2026, from 92.24% to 100.46%. It was the largest change from Q1 2026 among the key lines here. Within New York, American Community Bank is 16th of 105 on loan-to-deposit ratio, 100.46% as of Q2 2026, above the middle of the field. American Community Bank reported 100.46% on loan-to-deposit ratio for Q2 2026, 19.62 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 | $17.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.2M |
| Fed funds sold and reverse repos | $973K |
| Fed funds sold and reverse repos to assets | 0.32% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.46% |
| Net loans and leases to deposits | 99.24% |
| Loans and leases to core deposits | 105.64% |
| Core deposits to total deposits | 93.96% |
| Brokered deposits to total deposits | 1.94% |
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 | 100.18% | 96.88% | $0 | $7.7M |
| Q4 2023 | 103.37% | 96.64% | $0 | $12.8M |
| Q1 2024 | 106.64% | 96.54% | $0 | $20.0M |
| Q2 2024 | 105.99% | 92.27% | $0 | $20.5M |
| Q3 2024 | 97.22% | 89.89% | $0 | $9.4M |
| Q4 2024 | 104.16% | 89.00% | $0 | $10.8M |
| Q1 2025 | 98.63% | 93.01% | $0 | $0 |
| Q2 2025 | 100.64% | 93.88% | $0 | $5.8M |
| Q3 2025 | 100.48% | 95.23% | $0 | $5.8M |
| Q4 2025 | 90.80% | 92.18% | $0 | $5.8M |
| Q1 2026 | 92.24% | 92.42% | $0 | $5.8M |
| Q2 2026 | 100.46% | 93.96% | $0 | $3.1M |
American Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35033) · FFIEC NIC profile (RSSD 2871558)