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.
Loan-to-deposit ratio climbed 1.98 percentage points in Q2 2026, from 83.74% to 85.72%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, American Exchange Bank is 58th of 169 on loan-to-deposit ratio, 85.72% as of Q2 2026, above the middle of the field. American Exchange Bank reported 85.72% on loan-to-deposit ratio for Q2 2026, 4.88 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 | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.5M |
| Fed funds sold and reverse repos | $107K |
| Fed funds sold and reverse repos to assets | 0.10% |
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 | 85.72% |
| Net loans and leases to deposits | 84.77% |
| Loans and leases to core deposits | 89.60% |
| Core deposits to total deposits | 95.66% |
| 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 | 89.86% | 95.33% | $0 | $0 |
| Q4 2023 | 90.59% | 95.44% | $0 | $0 |
| Q1 2024 | 88.11% | 95.68% | $0 | $0 |
| Q2 2024 | 88.75% | 96.02% | $0 | $0 |
| Q3 2024 | 94.13% | 95.30% | $0 | $0 |
| Q4 2024 | 96.55% | 95.21% | $92K | $0 |
| Q1 2025 | 91.13% | 94.88% | $0 | $0 |
| Q2 2025 | 88.77% | 94.66% | $0 | $0 |
| Q3 2025 | 92.90% | 94.28% | $0 | $0 |
| Q4 2025 | 91.17% | 94.72% | $0 | $0 |
| Q1 2026 | 83.74% | 95.19% | $0 | $0 |
| Q2 2026 | 85.72% | 95.66% | $0 | $0 |
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 428) · FFIEC NIC profile (RSSD 811550)