American Nation 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 Cash and balances due from depository institutions: 30.7% higher than in Q1 2026, at $37.9M. American Nation Bank ranks 62nd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 84.03% (Q2 2026). American Nation Bank reported 84.03% on loan-to-deposit ratio for Q2 2026, 3.09 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $188.2M |
| Fed funds sold and reverse repos | $13.3M |
| Fed funds sold and reverse repos to assets | 1.92% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $43.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.03% |
| Net loans and leases to deposits | 82.76% |
| Loans and leases to core deposits | 104.02% |
| Core deposits to total deposits | 79.90% |
| Brokered deposits to total deposits | 2.06% |
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 | 79.32% | 84.15% | $0 | $30.0M |
| Q4 2023 | 85.80% | 82.06% | $0 | $55.0M |
| Q1 2024 | 83.20% | 80.54% | $0 | $55.0M |
| Q2 2024 | 84.00% | 81.96% | $0 | $55.0M |
| Q3 2024 | 83.79% | 80.45% | $0 | $55.0M |
| Q4 2024 | 82.46% | 80.68% | $0 | $41.0M |
| Q1 2025 | 81.08% | 78.20% | $0 | $41.0M |
| Q2 2025 | 78.68% | 80.80% | $0 | $41.0M |
| Q3 2025 | 80.41% | 78.47% | $0 | $38.0M |
| Q4 2025 | 84.01% | 79.84% | $2.9M | $48.0M |
| Q1 2026 | 83.82% | 78.19% | $0 | $43.0M |
| Q2 2026 | 84.03% | 79.90% | $0 | $43.0M |
American Nation Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Nation 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 Nation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24472) · FFIEC NIC profile (RSSD 256058)