Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | July 2026 |
| Payment Date | 8/17/2026 |
| Transaction Month | 2 | |
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 | | | 3.94539 | % | * | 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 | $ | 6,875,044.66 | |
| |
| Principal: | |
| Principal Collections | $ | 35,832,511.04 | |
| Prepayments in Full | $ | 18,217,926.35 | |
| Liquidation Proceeds | $ | 0.00 | |
| Recoveries | $ | 0.00 | |
| Sub Total | $ | 54,050,437.39 | |
| Collections | $ | 60,925,482.05 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 48,833.98 | |
| Purchase Amounts Related to Interest | $ | 0.00 | |
| Sub Total | $ | 48,833.98 | |
| |
| Clean-up Call | $ | 0.00 | |
| |
| Reserve Account Draw Amount | $ | 0.00 | |
| |
| Available Funds - Total | $ | 60,974,316.03 | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | July 2026 |
| Payment Date | 8/17/2026 |
| Transaction Month | 2 | |
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 | | | $ | 60,974,316.03 | |
| Servicing Fee | $ | 1,332,620.06 | | | $ | 1,332,620.06 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 59,641,695.97 | |
| Interest - Class A-1 Notes | $ | 1,073,178.05 | | | $ | 1,073,178.05 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 58,568,517.92 | |
| Interest - Class A-2a Notes | $ | 1,476,600.00 | | | $ | 1,476,600.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 57,091,917.92 | |
| Interest - Class A-2b Notes | $ | 361,660.75 | | | $ | 361,660.75 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 56,730,257.17 | |
| Interest - Class A-3 Notes | $ | 1,931,600.00 | | | $ | 1,931,600.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 54,798,657.17 | |
| Interest - Class A-4 Notes | $ | 312,900.00 | | | $ | 312,900.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 54,485,757.17 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 54,485,757.17 | |
| Interest - Class B Notes | $ | 184,070.00 | | | $ | 184,070.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 54,301,687.17 | |
| Second Priority Principal Payment | $ | 14,845,685.24 | | | $ | 14,845,685.24 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 39,456,001.93 | |
| Interest - Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 39,456,001.93 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 39,456,001.93 | |
| Regular Principal Payment | $ | 287,124,830.05 | | | $ | 39,456,001.93 | | | $ | 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 | | | $ | 60,974,316.03 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 14,845,685.24 | |
| Regular Principal Payment | | | | | | | | | $ | 39,456,001.93 | |
| Total | | | | | | | | | $ | 54,301,687.17 | |
| | | | | | | | | |
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 | $ | 54,301,687.17 | | | $ | 150.84 | | | $ | 1,073,178.05 | | | $ | 2.98 | | | $ | 55,374,865.22 | | | $ | 153.82 | |
| Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 1,476,600.00 | | | $ | 3.45 | | | $ | 1,476,600.00 | | | $ | 3.45 | |
| Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 361,660.75 | | | $ | 3.62 | | | $ | 361,660.75 | | | $ | 3.62 | |
| Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 1,931,600.00 | | | $ | 3.66 | | | $ | 1,931,600.00 | | | $ | 3.66 | |
| Class A-4 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 312,900.00 | | | $ | 3.73 | | | $ | 312,900.00 | | | $ | 3.73 | |
| Class B Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 184,070.00 | | | $ | 3.88 | | | $ | 184,070.00 | | | $ | 3.88 | |
| Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | $ | 54,301,687.17 | | | $ | 34.39 | | | $ | 5,340,008.80 | | | $ | 3.38 | | | $ | 59,641,695.97 | | | $ | 37.77 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | July 2026 |
| Payment Date | 8/17/2026 |
| Transaction Month | 2 | |
V. NOTE BALANCE AND POOL INFORMATION
| | | | | | | | | | | | | | | | | | | | | | | |
| Beginning of Period | | End of Period |
| Balance | | Note Factor | | Balance | | Note Factor |
| Class A-1 Notes | $ | 301,970,515.29 | | | 0.8388070 | | $ | 247,668,828.12 | | | 0.6879690 |
| 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 | $ | 1,520,930,515.29 | | | 0.9632483 | | $ | 1,466,628,828.12 | | | 0.9288575 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 5.072 | % | | 5.079 | % |
| Weighted Average Remaining Term | 54.06 | | 53.34 |
| Number of Receivables Outstanding | 43,277 | | 42,039 |
| Pool Balance | $ | 1,599,144,076.55 | | | $ | 1,545,044,037.53 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 1,525,763,169.89 | | | $ | 1,474,524,830.05 | |
| Pool Factor | 0.9660838 | | 0.9334006 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,947,433.49 | |
| Yield Supplement Overcollateralization Amount | $ | 70,519,207.48 | |
| Targeted Overcollateralization Amount | $ | 102,098,675.37 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 78,415,209.41 | |
| |
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 | July 2026 |
| Payment Date | 8/17/2026 |
| Transaction Month | 2 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 58 | | $ | 767.65 | |
| (Recoveries) | | | 0 | | $ | 0.00 | |
| Net Loss for Current Collection Period | | | | | $ | 767.65 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.0006 | % |
| | | | | |
| 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 | | | | | 0.0003 | % |
| Current Collection Period | | | | | 0.0006 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | N/A |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 91 | | $ | 1,140.39 | |
| (Cumulative Recoveries) | | | | | $ | 0.00 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 1,140.39 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.0001 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 12.53 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 12.53 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 0.50 | % | | 175 | | $ | 7,760,216.48 | |
| 61-90 Days Delinquent | 0.04 | % | | 16 | | $ | 689,251.70 | |
| 91-120 Days Delinquent | 0.00 | % | | 0 | | $ | 0.00 | |
| Over 120 Days Delinquent | 0.00 | % | | 0 | | $ | 0.00 | |
| Total Delinquent Receivables | 0.55 | % | | 191 | | $ | 8,449,468.18 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 8 | | $ | 489,086.88 | |
| Total Repossessed Inventory | | | 8 | | $ | 489,086.88 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | N/A |
| Prior Collection Period | | | | | 0.0046 | % |
| Current Collection Period | | | | | 0.0381 | % |
| 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 | | | | | 0.0446 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | July 2026 |
| Payment Date | 8/17/2026 |
| Transaction Month | 2 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 63 | $3,174,605.06 |
| 2 Months Extended | | | 85 | $4,248,694.77 |
| 3+ Months Extended | | | 20 | $920,564.97 |
| | | | |
| Total Receivables Extended | 168 | $8,343,864.80 |
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