American Community Bank & Trust: 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.
Loans and leases to core deposits climbed 1.39 percentage points in Q2 2026, from 85.20% to 86.59%. It was the largest change from Q1 2026 among the key lines here. American Community Bank & Trust ranks 138th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.73% (Q2 2026). American Community Bank & Trust reported 78.73% on loan-to-deposit ratio for Q2 2026, 9.47 points below 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 | $127.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $353.1M |
| 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 | $36.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.73% |
| Net loans and leases to deposits | 77.68% |
| Loans and leases to core deposits | 86.59% |
| Core deposits to total deposits | 90.92% |
| 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 | 73.48% | 94.40% | $0 | $95.0M |
| Q4 2023 | 76.60% | 92.94% | $0 | $40.0M |
| Q1 2024 | 70.69% | 93.33% | $0 | $115.0M |
| Q2 2024 | 77.07% | 92.23% | $0 | $92.5M |
| Q3 2024 | 74.27% | 91.77% | $0 | $95.9M |
| Q4 2024 | 82.19% | 91.03% | $0 | $32.4M |
| Q1 2025 | 76.40% | 92.26% | $0 | $32.4M |
| Q2 2025 | 82.53% | 92.13% | $0 | $34.7M |
| Q3 2025 | 78.82% | 92.81% | $0 | $34.7M |
| Q4 2025 | 77.57% | 90.91% | $0 | $36.2M |
| Q1 2026 | 77.38% | 90.82% | $0 | $36.2M |
| Q2 2026 | 78.73% | 90.92% | $0 | $36.2M |
American Community Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35412) · FFIEC NIC profile (RSSD 2869162)