American Heritage 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.20 percentage points lower than in Q1 2026, at 53.05%. Within New Mexico, American Heritage Bank is 21st of 29 on loan-to-deposit ratio, 53.05% as of Q2 2026, below the middle of the field. American Heritage Bank reported 53.05% on loan-to-deposit ratio for Q2 2026, 27.79 points below 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.0M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 2.56% |
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 | 53.05% |
| Net loans and leases to deposits | 52.11% |
| Loans and leases to core deposits | 59.49% |
| Core deposits to total deposits | 89.17% |
| 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 | 58.95% | 91.03% | $0 | $5.0M |
| Q4 2023 | 60.59% | 90.47% | $0 | $0 |
| Q1 2024 | 65.13% | 90.94% | $0 | $0 |
| Q2 2024 | 70.61% | 91.14% | $0 | $4.0M |
| Q3 2024 | 66.94% | 90.58% | $0 | $0 |
| Q4 2024 | 64.46% | 89.70% | $0 | $0 |
| Q1 2025 | 66.45% | 90.27% | $0 | $0 |
| Q2 2025 | 63.32% | 90.11% | $0 | $0 |
| Q3 2025 | 63.63% | 89.63% | $0 | $0 |
| Q4 2025 | 61.14% | 89.89% | $0 | $0 |
| Q1 2026 | 56.24% | 90.16% | $0 | $0 |
| Q2 2026 | 53.05% | 89.17% | $0 | $0 |
American Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57025) · FFIEC NIC profile (RSSD 2960555)