American National Bank & Trust: 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.
Core deposits to total deposits rose 0.62 percentage points from Q1 2026 to Q2 2026, ending at 71.54% against 70.92%. It was the largest change among the key lines on this page. American National Bank & Trust ranks 86th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.74% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; American National Bank & Trust reported 85.74% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $358.2M |
| Cash and noninterest-bearing balances to assets | 14.12% |
| Cash and securities | $499.1M |
| 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 | $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 | 85.74% |
| Net loans and leases to deposits | 84.81% |
| Loans and leases to core deposits | 103.23% |
| Core deposits to total deposits | 71.54% |
| Brokered deposits to total deposits | 11.52% |
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 | 90.41% | 86.87% | $1.4M | $50.0M |
| Q4 2023 | 86.53% | 83.38% | $1.2M | $50.0M |
| Q1 2024 | 86.50% | 81.88% | $1.1M | $50.0M |
| Q2 2024 | 89.43% | 81.33% | $825K | $0 |
| Q3 2024 | 87.90% | 78.19% | $1.2M | $0 |
| Q4 2024 | 87.39% | 79.63% | $0 | $0 |
| Q1 2025 | 82.96% | 78.17% | $0 | $0 |
| Q2 2025 | 86.63% | 78.74% | $0 | $0 |
| Q3 2025 | 87.60% | 75.13% | $0 | $0 |
| Q4 2025 | 86.69% | 72.86% | $0 | $0 |
| Q1 2026 | 86.14% | 70.92% | $0 | $0 |
| Q2 2026 | 85.74% | 71.54% | $0 | $0 |
American National Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank & Trust, 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 National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22373) · FFIEC NIC profile (RSSD 498362)