American Plus Bank, N.A.: 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: 120.0% higher than in Q1 2026, at $11.0M. American Plus Bank, N.A. ranks 13th of 114 California banks on loan-to-deposit ratio, in the upper half at 107.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Plus Bank, N.A. sits 26.67 points higher, at 107.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.8M |
| Fed funds sold and reverse repos | $50.0M |
| Fed funds sold and reverse repos to assets | 5.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $14.0M |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.51% |
| Net loans and leases to deposits | 105.89% |
| Loans and leases to core deposits | 137.80% |
| Core deposits to total deposits | 71.01% |
| Brokered deposits to total deposits | 7.01% |
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 | 107.10% | 66.92% | $0 | $8.5M |
| Q4 2023 | 106.54% | 70.84% | $0 | $5.0M |
| Q1 2024 | 104.39% | 70.10% | $0 | $5.0M |
| Q2 2024 | 106.41% | 68.40% | $0 | $9.0M |
| Q3 2024 | 102.09% | 70.54% | $0 | $5.0M |
| Q4 2024 | 106.38% | 71.65% | $0 | $11.0M |
| Q1 2025 | 107.33% | 71.99% | $0 | $9.4M |
| Q2 2025 | 107.03% | 76.07% | $0 | $14.5M |
| Q3 2025 | 106.01% | 74.91% | $0 | $7.2M |
| Q4 2025 | 107.65% | 71.38% | $0 | $5.0M |
| Q1 2026 | 107.19% | 72.36% | $15.0M | $5.0M |
| Q2 2026 | 107.51% | 71.01% | $14.0M | $11.0M |
American Plus Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Plus Bank, N.A., 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 Plus Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58469) · FFIEC NIC profile (RSSD 3623110)