v3.26.1
Borrowings
3 Months Ended
Mar. 31, 2026
Borrowings  
Borrowings

Note 10: Borrowings

Borrowings were comprised of the following at March 31, 2026 and December 31, 2025:

  ​ ​ ​

March 31, 2026

  ​ ​ ​

December 31, 2025

(In thousands)

Federal Reserve discount window borrowings

$

140,000

$

Subordinated debt

 

71,800

 

71,800

FHLB advances

4,358,756

3,762,858

American Financial Exchange borrowing

195,000

Other borrowings

 

7,934

 

7,934

Total borrowings

$

4,773,490

$

3,842,592

FHLB

On February 13, 2026, the Company entered into a new variable-rate debt agreement with the FHLB for an advance that has put and call options attached to it. The balance of the advance was $2.0 billion as of March 31, 2026, and matures on May 14, 2026. The variable interest rate is based on the Federal Funds effective rate, plus 15 basis points, which was 3.79% on March 31, 2025. The FHLB has a put option to cancel the agreement 60 days after the initial execution date and the Company has a call option to cancel the agreement at any time, with one day’s notice.

On March 31, 2026, the Company entered into a new variable-rate debt agreement with the FHLB for an advance that has put and call options attached to it. The balance of the advance was $2.4 billion as of March 31, 2026, and matures on June 29, 2026. The variable interest rate is based on the Federal Funds effective rate, plus 15 basis points, which was 3.79% on March 31, 2026. The FHLB has a put option to cancel the agreement 60 days after the initial execution date and the Company has a call option to cancel the agreement at any time, with one day’s notice.

AFX

During the three months ended March 31, 2026, the Company utilized unsecured overnight lending arrangements to borrow from other AFX members through extensions of credit. At March 31, 2026, members of the AFX offered a combined borrowing limit, but availability fluctuates daily. As of March 31, 2026, the outstanding balance was $195.0 million with a weighted average rate of 3.69%.  Rates are set daily by participating members and may vary by lending member.