American Community Bank of Indiana: 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 Loans and leases to core deposits: 1.42 percentage points higher than in Q1 2026, at 100.22%. American Community Bank of Indiana ranks 19th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 92.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. American Community Bank of Indiana sits 11.62 points higher, at 92.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.9M |
| 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 | 92.57% |
| Net loans and leases to deposits | 91.38% |
| Loans and leases to core deposits | 100.22% |
| Core deposits to total deposits | 92.37% |
| 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 | 95.11% | 92.01% | $0 | $7.0M |
| Q4 2023 | 98.41% | 91.19% | $0 | $17.0M |
| Q1 2024 | 94.41% | 92.42% | $0 | $2.0M |
| Q2 2024 | 83.51% | 90.08% | $0 | $0 |
| Q3 2024 | 87.61% | 89.62% | $0 | $0 |
| Q4 2024 | 84.28% | 91.05% | $0 | $0 |
| Q1 2025 | 82.12% | 89.66% | $0 | $0 |
| Q2 2025 | 82.84% | 91.08% | $0 | $0 |
| Q3 2025 | 83.50% | 91.21% | $0 | $0 |
| Q4 2025 | 89.39% | 91.38% | $0 | $0 |
| Q1 2026 | 91.47% | 92.58% | $0 | $0 |
| Q2 2026 | 92.57% | 92.37% | $0 | $0 |
American Community Bank of Indiana 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 of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29878) · FFIEC NIC profile (RSSD 1010574)