The Atlanta National 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.
Compared with Q2 2026, Loans and leases to core deposits rose 0.74 percentage points in Q3 2026 to 56.16%, the biggest move on this page. Within Illinois, The Atlanta National Bank is 279th of 323 on loan-to-deposit ratio, 51.39% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Atlanta National Bank sits 16.24 points lower, at 51.39% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.39% |
| Net loans and leases to deposits | 51.02% |
| Loans and leases to core deposits | 56.16% |
| Core deposits to total deposits | 91.51% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 45.15% | 94.99% | $0 | $0 |
| Q1 2024 | 43.13% | 95.36% | $0 | $0 |
| Q2 2024 | 44.96% | 95.40% | $0 | $1.6M |
| Q3 2024 | 48.33% | 95.33% | $0 | $1.6M |
| Q4 2024 | 52.32% | 95.41% | $0 | $1.6M |
| Q1 2025 | 49.22% | 95.42% | $0 | $1.6M |
| Q2 2025 | 48.07% | 95.46% | $0 | $1.8M |
| Q3 2025 | 51.09% | 95.45% | $0 | $1.9M |
| Q4 2025 | 53.37% | 95.93% | $0 | $1.9M |
| Q1 2026 | 48.68% | 95.85% | $0 | $3.3M |
| Q2 2026 | 51.10% | 92.22% | $0 | $3.3M |
| Q3 2026 | 51.39% | 91.51% | $0 | $3.3M |
The Atlanta National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Atlanta National 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 The Atlanta National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3601) · FFIEC NIC profile (RSSD 672238)