Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | June 2026 |
| Payment Date | 7/15/2026 |
| Transaction Month | 1 | |
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 333-281130 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 | $ | 1,655,285,110.63 | | | 44,049 | | 54.8 months |
| | | | | |
| Dollar Amount | | Note Interest Rate | | Final Scheduled Payment Date |
| Original Securities | | | | | |
| Class A-1 Notes | $ | 360,000,000.00 | | | 3.877 | % | | September 15, 2027 |
| Class A-2a Notes | $ | 428,000,000.00 | | | 4.14 | % | | April 15, 2029 |
| Class A-2b Notes | $ | 100,000,000.00 | | | 3.93206 | % | * | April 15, 2029 |
| Class A-3 Notes | $ | 528,000,000.00 | | | 4.39 | % | | February 15, 2031 |
| Class A-4 Notes | $ | 84,000,000.00 | | | 4.47 | % | | July 15, 2032 |
| Class B Notes | $ | 47,400,000.00 | | | 4.66 | % | | July 15, 2032 |
| Class C Notes | $ | 31,560,000.00 | | | 0.00 | % | | December 15, 2033 |
| Total | $ | 1,578,960,000.00 | | | | | |
| | | * 30-day average SOFR + 0.32% |
II. AVAILABLE FUNDS
| | | | | |
| Interest: | |
| Interest Collections | $ | 7,221,688.05 | |
| |
| Principal: | |
| Principal Collections | $ | 36,319,742.75 | |
| Prepayments in Full | $ | 19,305,545.24 | |
| Liquidation Proceeds | $ | 0.00 | |
| Recoveries | $ | 0.00 | |
| Sub Total | $ | 55,625,287.99 | |
| Collections | $ | 62,846,976.04 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 515,373.35 | |
| Purchase Amounts Related to Interest | $ | 3,563.48 | |
| Sub Total | $ | 518,936.83 | |
| |
| Clean-up Call | $ | 0.00 | |
| |
| Reserve Account Draw Amount | $ | 0.00 | |
| |
| Available Funds - Total | $ | 63,365,912.87 | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | June 2026 |
| Payment Date | 7/15/2026 |
| Transaction Month | 1 | |
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 | | | $ | 63,365,912.87 | |
| Servicing Fee | $ | 1,379,404.26 | | | $ | 1,379,404.26 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 61,986,508.61 | |
| Interest - Class A-1 Notes | $ | 852,940.00 | | | $ | 852,940.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 61,133,568.61 | |
| Interest - Class A-2a Notes | $ | 1,082,840.00 | | | $ | 1,082,840.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 60,050,728.61 | |
| Interest - Class A-2b Notes | $ | 240,292.56 | | | $ | 240,292.56 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 59,810,436.05 | |
| Interest - Class A-3 Notes | $ | 1,416,506.67 | | | $ | 1,416,506.67 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 58,393,929.38 | |
| Interest - Class A-4 Notes | $ | 229,460.00 | | | $ | 229,460.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 58,164,469.38 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 58,164,469.38 | |
| Interest - Class B Notes | $ | 134,984.67 | | | $ | 134,984.67 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 58,029,484.71 | |
| Second Priority Principal Payment | $ | 21,636,830.11 | | | $ | 21,636,830.11 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 36,392,654.60 | |
| Interest - Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 36,392,654.60 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 36,392,654.60 | |
| Regular Principal Payment | $ | 338,363,169.89 | | | $ | 36,392,654.60 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Residual Released to Depositor | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | | | $ | 63,365,912.87 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 21,636,830.11 | |
| Regular Principal Payment | | | | | | | | | $ | 36,392,654.60 | |
| Total | | | | | | | | | $ | 58,029,484.71 | |
| | | | | | | | | |
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 | $ | 58,029,484.71 | | | $ | 161.19 | | | $ | 852,940.00 | | | $ | 2.37 | | | $ | 58,882,424.71 | | | $ | 163.56 | |
| Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 1,082,840.00 | | | $ | 2.53 | | | $ | 1,082,840.00 | | | $ | 2.53 | |
| Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 240,292.56 | | | $ | 2.40 | | | $ | 240,292.56 | | | $ | 2.40 | |
| Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 1,416,506.67 | | | $ | 2.68 | | | $ | 1,416,506.67 | | | $ | 2.68 | |
| Class A-4 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 229,460.00 | | | $ | 2.73 | | | $ | 229,460.00 | | | $ | 2.73 | |
| Class B Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 134,984.67 | | | $ | 2.85 | | | $ | 134,984.67 | | | $ | 2.85 | |
| Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | $ | 58,029,484.71 | | | $ | 36.75 | | | $ | 3,957,023.90 | | | $ | 2.51 | | | $ | 61,986,508.61 | | | $ | 39.26 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | June 2026 |
| Payment Date | 7/15/2026 |
| Transaction Month | 1 | |
V. NOTE BALANCE AND POOL INFORMATION
| | | | | | | | | | | | | | | | | | | | | | | |
| Beginning of Period | | End of Period |
| Balance | | Note Factor | | Balance | | Note Factor |
| Class A-1 Notes | $ | 360,000,000.00 | | | 1.0000000 | | $ | 301,970,515.29 | | | 0.8388070 |
| Class A-2a Notes | $ | 428,000,000.00 | | | 1.0000000 | | $ | 428,000,000.00 | | | 1.0000000 |
| Class A-2b Notes | $ | 100,000,000.00 | | | 1.0000000 | | $ | 100,000,000.00 | | | 1.0000000 |
| Class A-3 Notes | $ | 528,000,000.00 | | | 1.0000000 | | $ | 528,000,000.00 | | | 1.0000000 |
| Class A-4 Notes | $ | 84,000,000.00 | | | 1.0000000 | | $ | 84,000,000.00 | | | 1.0000000 |
| Class B Notes | $ | 47,400,000.00 | | | 1.0000000 | | $ | 47,400,000.00 | | | 1.0000000 |
| Class C Notes | $ | 31,560,000.00 | | | 1.0000000 | | $ | 31,560,000.00 | | | 1.0000000 |
| Total | $ | 1,578,960,000.00 | | | 1.0000000 | | $ | 1,520,930,515.29 | | | 0.9632483 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 5.065 | % | | 5.072 | % |
| Weighted Average Remaining Term | 54.79 | | 54.06 |
| Number of Receivables Outstanding | 44,049 | | 43,277 |
| Pool Balance | $ | 1,655,285,110.63 | | | $ | 1,599,144,076.55 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 1,578,973,394.35 | | | $ | 1,525,763,169.89 | |
| Pool Factor | 1.0000000 | | 0.9660838 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,947,433.49 | |
| Yield Supplement Overcollateralization Amount | $ | 73,380,906.66 | |
| Targeted Overcollateralization Amount | $ | 104,960,374.55 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 78,213,561.26 | |
| |
VII. RECONCILIATION OF RESERVE ACCOUNT
| | | | | |
| Beginning Reserve Account Balance | $ | 3,947,433.49 | |
| Reserve Account Deposits Made | $ | 0.00 | |
| Reserve Account Draw Amount | $ | 0.00 | |
| Ending Reserve Account Balance | $ | 3,947,433.49 | |
| Change in Reserve Account Balance | $ | 0.00 | |
| Specified Reserve Balance | $ | 3,947,433.49 | |
| |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | June 2026 |
| Payment Date | 7/15/2026 |
| Transaction Month | 1 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 33 | | $ | 372.74 | |
| (Recoveries) | | | 0 | | $ | 0.00 | |
| Net Loss for Current Collection Period | | | | | $ | 372.74 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.0003 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | N/A |
| Second Prior Collection Period | | N/A |
| Prior Collection Period | | | | | N/A |
| Current Collection Period | | | | | 0.0003 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | N/A |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 33 | | $ | 372.74 | |
| (Cumulative Recoveries) | | | | | $ | 0.00 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 372.74 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.0000 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 11.30 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 11.30 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 0.37 | % | | 134 | | $ | 5,852,937.96 | |
| 61-90 Days Delinquent | 0.01 | % | | 2 | | $ | 91,548.57 | |
| 91-120 Days Delinquent | 0.00 | % | | 0 | | $ | 0.00 | |
| Over 120 Days Delinquent | 0.00 | % | | 0 | | $ | 0.00 | |
| Total Delinquent Receivables | 0.37 | % | | 136 | | $ | 5,944,486.53 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 0 | | $ | 0.00 | |
| Total Repossessed Inventory | | | 0 | | $ | 0.00 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | N/A |
| Prior Collection Period | | | | | N/A |
| Current Collection Period | | | | | 0.0046 | % |
| Three Month Average | | | | | N/A |
| | | | | |
| Delinquency Trigger (61+ Delinquent Receivables) | | | | | |
| Transaction Month | Trigger | | | | |
| 1-12 | 0.80% | | | | |
| 13-24 | 1.30% | | | | |
| 25-36 | 2.40% | | | | |
| 37+ | 4.55% | | | | |
| 61+ Delinquent Receivables Balance to EOP Pool Balance | | | | | 0.0057 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | June 2026 |
| Payment Date | 7/15/2026 |
| Transaction Month | 1 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 78 | $3,720,855.63 |
| 2 Months Extended | | | 97 | $5,227,295.37 |
| 3+ Months Extended | | | 10 | $561,776.39 |
| | | | |
| Total Receivables Extended | 185 | $9,509,927.39 |
| | | | | | | | | | | |
| IX. CREDIT RISK RETENTION INFORMATION |
| | | |
| The fair value of the Notes and the Residual Interest on the Closing Date is summarized below. |
| Fair Value | Fair Value | |
| (in millions) | % | |
| Class A notes | $ | 1,500.0 | | 91.8 | % | |
| Class B notes | $ | 47.4 | | 2.9 | % | |
| Class C notes | $ | 26.6 | | 1.6 | % | |
| Residual Interest | $ | 59.4 | | 3.6 | % | |
| Total | $ | 1,633.4 | | 100.0 | % | |
| | | |
| The Depositor must retain a Retained Interest with a fair value of at least 5% of the aggregate value of the Notes and Residual Interest, according to Regulation RR. |
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 |
| |
XI. 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 |
|
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer