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.
Cash and balances due from depository institutions dropped 16.9% in Q2 2026, from $176.9M to $147.0M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, American Heritage Bank is 151st of 169 on loan-to-deposit ratio, 43.41% as of Q2 2026, below the middle of the field. American Heritage Bank's loan-to-deposit ratio of 43.41% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 44.79 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $147.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $934.8M |
| Fed funds sold and reverse repos | $329K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $156.8M |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.41% |
| Net loans and leases to deposits | 42.76% |
| Loans and leases to core deposits | 48.92% |
| Core deposits to total deposits | 88.73% |
| 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 | 40.31% | 90.74% | $104.9M | $25.0M |
| Q4 2023 | 40.29% | 89.45% | $104.0M | $25.0M |
| Q1 2024 | 40.51% | 89.65% | $148.1M | $25.0M |
| Q2 2024 | 40.51% | 89.25% | $147.5M | $25.0M |
| Q3 2024 | 41.60% | 88.97% | $126.6M | $25.0M |
| Q4 2024 | 41.26% | 88.95% | $127.7M | $25.0M |
| Q1 2025 | 41.73% | 89.43% | $168.7M | $25.0M |
| Q2 2025 | 43.20% | 89.03% | $147.3M | $25.0M |
| Q3 2025 | 44.28% | 88.44% | $127.7M | $25.0M |
| Q4 2025 | 43.45% | 88.48% | $117.7M | $25.0M |
| Q1 2026 | 43.08% | 88.35% | $163.5M | $25.0M |
| Q2 2026 | 43.41% | 88.73% | $156.8M | $25.0M |
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 4190) · FFIEC NIC profile (RSSD 311050)