American Metro 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 Other borrowed money: 41.2% higher than in Q1 2026, at $13.7M. Among 323 Illinois banks, American Metro Bank sits 8th from the top on loan-to-deposit ratio, 109.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Metro Bank sits 28.85 points higher, at 109.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.69% |
| Net loans and leases to deposits | 108.30% |
| Loans and leases to core deposits | 124.26% |
| Core deposits to total deposits | 67.98% |
| Brokered deposits to total deposits | 20.30% |
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 | 104.47% | 79.69% | $0 | $5.0M |
| Q4 2023 | 99.95% | 71.02% | $0 | $5.0M |
| Q1 2024 | 100.38% | 70.50% | $0 | $5.0M |
| Q2 2024 | 103.20% | 72.79% | $0 | $2.0M |
| Q3 2024 | 106.01% | 71.71% | $0 | $7.0M |
| Q4 2024 | 107.94% | 74.23% | $0 | $8.0M |
| Q1 2025 | 102.64% | 73.36% | $0 | $5.0M |
| Q2 2025 | 103.70% | 74.67% | $0 | $7.0M |
| Q3 2025 | 106.53% | 67.55% | $0 | $8.0M |
| Q4 2025 | 105.96% | 54.88% | $0 | $11.7M |
| Q1 2026 | 106.51% | 66.12% | $0 | $9.7M |
| Q2 2026 | 109.69% | 67.98% | $0 | $13.7M |
American Metro Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34334) · FFIEC NIC profile (RSSD 2533043)