First American Bank and 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.10 percentage points higher than in Q1 2026, at 75.71%. First American Bank and Trust ranks 72nd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 70.56% (Q2 2026). First American Bank and Trust reported 70.56% on loan-to-deposit ratio for Q2 2026, 17.64 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $143.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $493.3M |
| 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 | 70.56% |
| Net loans and leases to deposits | 69.54% |
| Loans and leases to core deposits | 75.71% |
| Core deposits to total deposits | 93.20% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 71.30% | 93.25% | $0 | $105.0M |
| Q4 2023 | 70.17% | 92.83% | $0 | $105.0M |
| Q1 2024 | 69.72% | 92.44% | $0 | $25.0M |
| Q2 2024 | 70.59% | 92.11% | $0 | $15.0M |
| Q3 2024 | 71.53% | 91.48% | $0 | $15.0M |
| Q4 2024 | 67.93% | 92.35% | $0 | $0 |
| Q1 2025 | 68.86% | 93.09% | $0 | $0 |
| Q2 2025 | 71.37% | 93.31% | $0 | $0 |
| Q3 2025 | 73.40% | 92.80% | $0 | $0 |
| Q4 2025 | 71.00% | 93.40% | $0 | $0 |
| Q1 2026 | 70.01% | 93.83% | $0 | $0 |
| Q2 2026 | 70.56% | 93.20% | $0 | $0 |
First American Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and 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 First American Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8149) · FFIEC NIC profile (RSSD 101037)