Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 4 | |
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 | | | 3.96850 | % | * | 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 | $ | 6,319,651.28 | |
| |
| Principal: | |
| Principal Collections | $ | 32,863,461.02 | |
| Prepayments in Full | $ | 15,612,675.20 | |
| Liquidation Proceeds | $ | 331,187.95 | |
| Recoveries | $ | 0.00 | |
| Sub Total | $ | 48,807,324.17 | |
| Collections | $ | 55,126,975.45 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 0.00 | |
| Purchase Amounts Related to Interest | $ | 0.00 | |
| Sub Total | $ | 0.00 | |
| |
| Clean-up Call | $ | 0.00 | |
| |
| Reserve Account Draw Amount | $ | 0.00 | |
| |
| Available Funds - Total | $ | 55,126,975.45 | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 4 | |
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 | | | $ | 55,126,975.45 | |
| Servicing Fee | $ | 1,245,684.43 | | | $ | 1,245,684.43 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 53,881,291.02 | |
| Interest - Class A-1 Notes | $ | 637,510.69 | | | $ | 637,510.69 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 53,243,780.33 | |
| Interest - Class A-2a Notes | $ | 1,476,600.00 | | | $ | 1,476,600.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 51,767,180.33 | |
| Interest - Class A-2b Notes | $ | 330,708.33 | | | $ | 330,708.33 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 51,436,472.00 | |
| Interest - Class A-3 Notes | $ | 1,931,600.00 | | | $ | 1,931,600.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 49,504,872.00 | |
| Interest - Class A-4 Notes | $ | 312,900.00 | | | $ | 312,900.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 49,191,972.00 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 49,191,972.00 | |
| Interest - Class B Notes | $ | 184,070.00 | | | $ | 184,070.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 49,007,902.00 | |
| Second Priority Principal Payment | $ | 4,165,972.48 | | | $ | 4,165,972.48 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,841,929.52 | |
| Interest - Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,841,929.52 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,841,929.52 | |
| Regular Principal Payment | $ | 193,154,850.23 | | | $ | 44,841,929.52 | | | $ | 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 | | | $ | 55,126,975.45 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 4,165,972.48 | |
| Regular Principal Payment | | | | | | | | | $ | 44,841,929.52 | |
| Total | | | | | | | | | $ | 49,007,902.00 | |
| | | | | | | | | |
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 | $ | 49,007,902.00 | | | $ | 136.13 | | | $ | 637,510.69 | | | $ | 1.77 | | | $ | 49,645,412.69 | | | $ | 137.90 | |
| 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 | | | $ | 330,708.33 | | | $ | 3.31 | | | $ | 330,708.33 | | | $ | 3.31 | |
| 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 | $ | 49,007,902.00 | | | $ | 31.04 | | | $ | 4,873,389.02 | | | $ | 3.09 | | | $ | 53,881,291.02 | | | $ | 34.13 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 4 | |
V. NOTE BALANCE AND POOL INFORMATION
| | | | | | | | | | | | | | | | | | | | | | | |
| Beginning of Period | | End of Period |
| Balance | | Note Factor | | Balance | | Note Factor |
| Class A-1 Notes | $ | 197,320,822.71 | | | 0.5481134 | | $ | 148,312,920.71 | | | 0.4119803 |
| 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 | $ | 1,416,280,822.71 | | | 0.8969707 | | $ | 1,367,272,920.71 | | | 0.8659326 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 5.083 | % | | 5.087 | % |
| Weighted Average Remaining Term | 52.59 | | 51.86 |
| Number of Receivables Outstanding | 40,978 | | 39,972 |
| Pool Balance | $ | 1,494,821,316.40 | | | $ | 1,445,557,941.00 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 1,427,094,217.34 | | | $ | 1,380,554,850.23 | |
| Pool Factor | 0.9030597 | | 0.8732985 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,947,433.49 | |
| Yield Supplement Overcollateralization Amount | $ | 65,003,090.77 | |
| Targeted Overcollateralization Amount | $ | 96,582,558.66 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 78,285,020.29 | |
| |
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 | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 4 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 66 | | $ | 456,051.23 | |
| (Recoveries) | | | 0 | | $ | 0.00 | |
| Net Loss for Current Collection Period | | | | | $ | 456,051.23 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.3661 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | 0.0003 | % |
| Second Prior Collection Period | | 0.0006 | % |
| Prior Collection Period | | | | | 0.0699 | % |
| Current Collection Period | | | | | 0.3722 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | 0.1107 | % |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 202 | | $ | 545,699.17 | |
| (Cumulative Recoveries) | | | | | $ | 0.00 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 545,699.17 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.0330 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 2,701.48 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 2,701.48 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 0.51 | % | | 166 | | $ | 7,325,512.25 | |
| 61-90 Days Delinquent | 0.12 | % | | 37 | | $ | 1,798,165.84 | |
| 91-120 Days Delinquent | 0.03 | % | | 8 | | $ | 393,569.85 | |
| Over 120 Days Delinquent | 0.00 | % | | 0 | | $ | 0.00 | |
| Total Delinquent Receivables | 0.66 | % | | 211 | | $ | 9,517,247.94 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 13 | | $ | 725,192.67 | |
| Total Repossessed Inventory | | | 22 | | $ | 1,152,659.07 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | 0.0381 | % |
| Prior Collection Period | | | | | 0.0659 | % |
| Current Collection Period | | | | | 0.1126 | % |
| Three Month Average | | | | | 0.0722 | % |
| | | | | |
| 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 | | | | | 0.1516 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2026-B
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 4 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 67 | $3,589,856.47 | |
| 2 Months Extended | | | 128 | $6,265,032.97 | |
| 3+ Months Extended | | | 20 | $870,417.08 | |
| | | | |
| Total Receivables Extended | 215 | $10,725,306.52 | |
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