American Exchange 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.
Loans and leases to core deposits climbed 12.87 percentage points in Q3 2026, from 85.96% to 98.83%. It was the largest change from Q2 2026 among the key lines here. Within Nebraska, American Exchange Bank is 57th of 138 on loan-to-deposit ratio, 89.48% as of Q3 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. American Exchange Bank sits 21.56 points higher, at 89.48% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $1.0M |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.48% |
| Net loans and leases to deposits | 88.32% |
| Loans and leases to core deposits | 98.83% |
| Core deposits to total deposits | 90.55% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 76.51% | 96.38% | $175K | $16.0M |
| Q1 2024 | 66.32% | 95.08% | $175K | $5.2M |
| Q2 2024 | 80.70% | 93.50% | $175K | $9.4M |
| Q3 2024 | 87.39% | 93.00% | $175K | $9.1M |
| Q4 2024 | 79.75% | 93.63% | $175K | $5.7M |
| Q1 2025 | 74.08% | 93.96% | $175K | $100K |
| Q2 2025 | 82.82% | 92.96% | $175K | $2.6M |
| Q3 2025 | 91.29% | 92.56% | $175K | $6.5M |
| Q4 2025 | 89.96% | 92.91% | $175K | $6.8M |
| Q1 2026 | 70.59% | 92.50% | $1.0M | $50K |
| Q2 2026 | 78.12% | 90.88% | $1.0M | $0 |
| Q3 2026 | 89.48% | 90.55% | $1.0M | $3.0M |
American Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10647) · FFIEC NIC profile (RSSD 1014451)