First American Bank and Trust Company: 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 Q3 2026 was in Cash and balances due from depository institutions: 118.4% higher than in Q2 2026, at $55.5M. Within Georgia, First American Bank and Trust Company is 25th of 122 on loan-to-deposit ratio, 89.51% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First American Bank and Trust Company sits 8.67 points higher, at 89.51% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $200.4M |
| 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 | $18.5M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.51% |
| Net loans and leases to deposits | 88.52% |
| Loans and leases to core deposits | 91.49% |
| Core deposits to total deposits | 97.83% |
| 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 | 81.12% | 98.76% | $9.5M | $32.0M |
| Q1 2024 | 78.99% | 98.73% | $30.0M | $29.0M |
| Q2 2024 | 83.25% | 98.76% | $48.1M | $25.0M |
| Q3 2024 | 85.37% | 98.67% | $8.1M | $0 |
| Q4 2024 | 88.84% | 98.65% | $15.6M | $0 |
| Q1 2025 | 84.40% | 98.03% | $45.2M | $0 |
| Q2 2025 | 87.28% | 98.03% | $71.4M | $0 |
| Q3 2025 | 87.55% | 98.11% | $10.5M | $0 |
| Q4 2025 | 92.30% | 97.85% | $10.4M | $5.0M |
| Q1 2026 | 94.04% | 97.85% | $14.6M | $3.0M |
| Q2 2026 | 94.17% | 97.72% | $25.0M | $0 |
| Q3 2026 | 89.51% | 97.83% | $18.5M | $0 |
First American Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)