American First National 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 3.77 percentage points in Q2 2026, from 147.09% to 150.86%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, American First National Bank sits 20th from the top on loan-to-deposit ratio, 98.85% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American First National Bank sits 10.64 points higher, at 98.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $345.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $438.8M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.04% |
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 | 98.85% |
| Net loans and leases to deposits | 97.79% |
| Loans and leases to core deposits | 150.86% |
| Core deposits to total deposits | 65.52% |
| 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 | 99.04% | 70.99% | $0 | $0 |
| Q4 2023 | 101.95% | 69.85% | $0 | $0 |
| Q1 2024 | 102.18% | 69.06% | $0 | $0 |
| Q2 2024 | 102.01% | 69.46% | $0 | $0 |
| Q3 2024 | 98.92% | 69.51% | $0 | $0 |
| Q4 2024 | 102.36% | 69.30% | $0 | $0 |
| Q1 2025 | 100.12% | 69.28% | $0 | $0 |
| Q2 2025 | 98.30% | 67.97% | $0 | $0 |
| Q3 2025 | 96.56% | 67.67% | $0 | $0 |
| Q4 2025 | 97.68% | 66.81% | $0 | $0 |
| Q1 2026 | 97.68% | 66.41% | $0 | $0 |
| Q2 2026 | 98.85% | 65.52% | $0 | $0 |
American First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American First National 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34656) · FFIEC NIC profile (RSSD 2694681)