American Eagle 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 5.10 percentage points in Q2 2026, from 116.86% to 121.96%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, American Eagle Bank ranks 3rd highest among the 323 banks headquartered in Illinois, at 121.96% (Q2 2026). American Eagle Bank's loan-to-deposit ratio of 121.96% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 41.40 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.1M |
| 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 | $78.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.96% |
| Net loans and leases to deposits | 121.64% |
| Loans and leases to core deposits | 142.60% |
| Core deposits to total deposits | 50.70% |
| Brokered deposits to total deposits | 34.82% |
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 | 108.10% | 58.69% | $0 | $51.7M |
| Q4 2023 | 103.96% | 57.08% | $0 | $44.3M |
| Q1 2024 | 105.02% | 57.14% | $0 | $44.5M |
| Q2 2024 | 111.72% | 58.98% | $0 | $67.4M |
| Q3 2024 | 110.69% | 56.27% | $0 | $65.9M |
| Q4 2024 | 110.80% | 55.02% | $0 | $59.3M |
| Q1 2025 | 111.98% | 53.48% | $0 | $66.6M |
| Q2 2025 | 106.61% | 54.16% | $0 | $55.9M |
| Q3 2025 | 111.20% | 53.30% | $0 | $61.8M |
| Q4 2025 | 114.26% | 50.54% | $0 | $73.3M |
| Q1 2026 | 116.86% | 50.01% | $0 | $68.2M |
| Q2 2026 | 121.96% | 50.70% | $0 | $78.1M |
American Eagle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57359) · FFIEC NIC profile (RSSD 3116519)