Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| | | | | |
| Collection Period | February 2026 |
| Payment Date | 3/16/2026 |
| Transaction Month | 45 | |
Additional information about the structure, cashflows, defined terms and parties for this transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the registration number 333-258040 and at https://www.ford.com/finance/investor-center/asset-backed-securitization.
I. ORIGINAL DEAL PARAMETERS
| | | | | | | | | | | | | | | | | |
| Dollar Amount | | # of Receivables | | Weighted Avg Remaining Term at Cutoff |
| Initial Pool Balance | $ | 1,173,418,193.47 | | | 36,914 | | 54.4 months |
| | | | | |
| Dollar Amount | | Note Interest Rate | | Final Scheduled Payment Date |
| Original Securities | | | | | |
| Class A-1 Notes | $ | 203,160,000.00 | | | 2.038 | % | | July 15, 2023 |
| Class A-2a Notes | $ | 271,020,000.00 | | | 3.44 | % | | February 15, 2025 |
| Class A-2b Notes | $ | 100,000,000.00 | | | 4.25819 | % | * | February 15, 2025 |
| Class A-3 Notes | $ | 321,020,000.00 | | | 3.74 | % | | September 15, 2026 |
| Class A-4 Notes | $ | 104,800,000.00 | | | 3.93 | % | | August 15, 2027 |
| Class B Notes | $ | 31,580,000.00 | | | 4.51 | % | | October 15, 2027 |
| Class C Notes | $ | 21,050,000.00 | | | 4.85 | % | | December 15, 2029 |
| Total | $ | 1,052,630,000.00 | | | | | |
| | | * 30-day average SOFR + 0.60% |
II. AVAILABLE FUNDS
| | | | | |
| Interest: | |
| Interest Collections | $ | 321,824.99 | |
| |
| Principal: | |
| Principal Collections | $ | 7,180,488.60 | |
| Prepayments in Full | $ | 2,357,839.66 | |
| Liquidation Proceeds | $ | 15,313.66 | |
| Recoveries | $ | 76,198.17 | |
| Sub Total | $ | 9,629,840.09 | |
| Collections | $ | 9,951,665.08 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 40,807.47 | |
| Purchase Amounts Related to Interest | $ | 167.26 | |
| Sub Total | $ | 40,974.73 | |
| |
| Clean-up Call | $ | 114,722,955.07 | |
| |
| Reserve Account Draw Amount | $ | 2,631,579.30 | |
| |
| Available Funds - Total | $ | 127,347,174.18 | |
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| | | | | |
| Collection Period | February 2026 |
| Payment Date | 3/16/2026 |
| Transaction Month | 45 | |
III. DISTRIBUTIONS
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Calculated Amount | | Amount Paid | | Shortfall | | Carryover Shortfall | | Remaining Available Funds |
| Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,347,174.18 | |
| Servicing Fee | $ | 103,683.92 | | | $ | 103,683.92 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,243,490.26 | |
| Interest - Class A-1 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,243,490.26 | |
| Interest - Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,243,490.26 | |
| Interest - Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,243,490.26 | |
| Interest - Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,243,490.26 | |
| Interest - Class A-4 Notes | $ | 137,394.14 | | | $ | 137,394.14 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,106,096.12 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 127,106,096.12 | |
| Interest - Class B Notes | $ | 118,688.17 | | | $ | 118,688.17 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 126,987,407.95 | |
| Second Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 126,987,407.95 | |
| Interest - Class C Notes | $ | 85,077.08 | | | $ | 85,077.08 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 126,902,330.87 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 126,902,330.87 | |
| Regular Principal Payment | $ | 94,582,410.22 | | | $ | 94,582,410.22 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 32,319,920.65 | |
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 32,319,920.65 | |
| Residual Released to Depositor | $ | 0.00 | | | $ | 32,319,920.65 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | | | $ | 127,347,174.18 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Regular Principal Payment | | | | | | | | | $ | 94,582,410.22 | |
| Total | | | | | | | | | $ | 94,582,410.22 | |
| | | | | | | | | |
IV. NOTEHOLDER PAYMENTS
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Noteholder Principal Payments | | Noteholder Interest Payments | | Total Payment |
| | | Per $1,000 of | | | | Per $1,000 of | | | | Per $1,000 of |
| Actual | | Original Balance | | Actual | | Original Balance | | Actual | | Original Balance |
| Class A-1 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Class A-4 Notes | $ | 41,952,410.22 | | | $ | 400.31 | | | $ | 137,394.14 | | | $ | 1.31 | | | $ | 42,089,804.36 | | | $ | 401.62 | |
| Class B Notes | $ | 31,580,000.00 | | | $ | 1,000.00 | | | $ | 118,688.17 | | | $ | 3.76 | | | $ | 31,698,688.17 | | | $ | 1,003.76 | |
| Class C Notes | $ | 21,050,000.00 | | | $ | 1,000.00 | | | $ | 85,077.08 | | | $ | 4.04 | | | $ | 21,135,077.08 | | | $ | 1,004.04 | |
| Total | $ | 94,582,410.22 | | | $ | 89.85 | | | $ | 341,159.39 | | | $ | 0.32 | | | $ | 94,923,569.61 | | | $ | 90.17 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| | | | | |
| Collection Period | February 2026 |
| Payment Date | 3/16/2026 |
| Transaction Month | 45 | |
V. NOTE BALANCE AND POOL INFORMATION
| | | | | | | | | | | | | | | | | | | | | | | |
| Beginning of Period | | End of Period |
| Balance | | Note Factor | | Balance | | Note Factor |
| Class A-1 Notes | $ | 0.00 | | | 0.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class A-2a Notes | $ | 0.00 | | | 0.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class A-2b Notes | $ | 0.00 | | | 0.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class A-3 Notes | $ | 0.00 | | | 0.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class A-4 Notes | $ | 41,952,410.22 | | | 0.4003093 | | $ | 0.00 | | | 0.0000000 |
| Class B Notes | $ | 31,580,000.00 | | | 1.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class C Notes | $ | 21,050,000.00 | | | 1.0000000 | | $ | 0.00 | | | 0.0000000 |
| Total | $ | 94,582,410.22 | | | 0.0898534 | | $ | 0.00 | | | 0.0000000 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 3.306 | % | | 3.332 | % |
| Weighted Average Remaining Term | 20.51 | | 19.84 |
| Number of Receivables Outstanding | 11,232 | | 10,768 |
| Pool Balance | $ | 124,420,699.27 | | | $ | 114,722,955.07 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 115,635,044.64 | | | $ | 106,836,964.05 | |
| Pool Factor | 0.1060327 | | 0.0977682 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 2,631,579.30 | |
| Yield Supplement Overcollateralization Amount | $ | 7,885,991.02 | |
| Targeted Overcollateralization Amount | $ | 28,938,625.44 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 114,722,955.07 | |
| |
VII. RECONCILIATION OF RESERVE ACCOUNT
| | | | | |
| Beginning Reserve Account Balance | $ | 2,631,579.30 | |
| Reserve Account Deposits Made | $ | 0.00 | |
| Reserve Account Draw Amount | $ | 2,631,579.30 | |
| Ending Reserve Account Balance | $ | 0.00 | |
| Change in Reserve Account Balance | $ | (2,631,579.30) | |
| Specified Reserve Balance | $ | 2,631,579.30 | |
| |
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| | | | | |
| Collection Period | February 2026 |
| Payment Date | 3/16/2026 |
| Transaction Month | 45 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 37 | | $ | 103,294.81 | |
| (Recoveries) | | | 58 | | $ | 76,198.17 | |
| Net Loss for Current Collection Period | | | | | $ | 27,096.64 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.2613 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | 0.9501 | % |
| Second Prior Collection Period | | -0.1197 | % |
| Prior Collection Period | | | | | -0.2879 | % |
| Current Collection Period | | | | | 0.2719 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | 0.2036 | % |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 1,960 | | $ | 8,488,834.44 | |
| (Cumulative Recoveries) | | | | | $ | 2,294,135.61 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 6,194,698.83 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.5279 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 4,331.04 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 3,160.56 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 2.11 | % | | 138 | | $ | 2,421,011.75 | |
| 61-90 Days Delinquent | 0.32 | % | | 18 | | $ | 370,717.46 | |
| 91-120 Days Delinquent | 0.02 | % | | 2 | | $ | 26,615.76 | |
| Over 120 Days Delinquent | 0.29 | % | | 17 | | $ | 335,946.99 | |
| Total Delinquent Receivables | 2.75 | % | | 175 | | $ | 3,154,291.96 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 6 | | $ | 112,257.25 | |
| Total Repossessed Inventory | | | 8 | | $ | 178,499.48 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | 0.4263 | % |
| Prior Collection Period | | | | | 0.3917 | % |
| Current Collection Period | | | | | 0.3436 | % |
| Three Month Average | | | | | 0.3872 | % |
| | | | | |
| Delinquency Trigger (61+ Delinquent Receivables) | | | | | |
| Transaction Month | Trigger | | | | |
| 1-12 | 0.80% | | | | |
| 13-24 | 1.50% | | | | |
| 25-36 | 2.70% | | | | |
| 37+ | 4.40% | | | | |
| 61+ Delinquent Receivables Balance to EOP Pool Balance | | | | | 0.6392 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| | | | | |
| Collection Period | February 2026 |
| Payment Date | 3/16/2026 |
| Transaction Month | 45 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 37 | $676,403.99 |
| 2 Months Extended | | | 50 | $855,311.65 |
| 3+ Months Extended | | | 16 | $289,244.46 |
| | | | |
| Total Receivables Extended | 103 | $1,820,960.10 |
IX. REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
| | |
| No Activity to report |
|
| Most Recent Form ABS-15G for repurchase demand activity |
|
| Filed by: Ford Motor Credit Company LLC |
| CIK#: 0000038009 |
| Date: February 6, 2026 |
|
X. FLOATING RATE BENCHMARK: BENCHMARK TRANSITION
| | | | | |
| Benchmark Transition Event: | N/A |
| |
| Benchmark Replacement Date: | N/A |
| |
| Unadjusted Benchmark Replacement: | N/A |
| |
| Benchmark Replacement Adjustment: | N/A |
| |
| Benchmark Replacement Conforming Changes: | N/A |
| |
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer