Ford Credit Auto Owner Trust 2022-B
02/19/2026 | Press release | Distributed by Public on 02/19/2026 08:07
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 44 | ||||
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 | 4.30735 | % | * | 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 | $ | 378,848.48 | |||
| Principal: | |||||
| Principal Collections | $ | 7,802,841.89 | |||
| Prepayments in Full | $ | 2,594,146.13 | |||
| Liquidation Proceeds | $ | 93,988.14 | |||
| Recoveries | $ | 69,872.75 | |||
| Sub Total | $ | 10,560,848.91 | |||
| Collections | $ | 10,939,697.39 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 18,558.18 | |||
| Purchase Amounts Related to Interest | $ | 8.99 | |||
| Sub Total | $ | 18,567.17 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 10,958,264.56 | |||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 44 | ||||
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 | $ | 10,958,264.56 | |||||||||||||||||||
| Servicing Fee | $ | 112,474.16 | $ | 112,474.16 | $ | 0.00 | $ | 0.00 | $ | 10,845,790.40 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,845,790.40 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,845,790.40 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,845,790.40 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,845,790.40 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 168,786.96 | $ | 168,786.96 | $ | 0.00 | $ | 0.00 | $ | 10,677,003.44 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,677,003.44 | |||||||||||||||||||
| Interest - Class B Notes | $ | 118,688.17 | $ | 118,688.17 | $ | 0.00 | $ | 0.00 | $ | 10,558,315.27 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,558,315.27 | |||||||||||||||||||
| Interest - Class C Notes | $ | 85,077.08 | $ | 85,077.08 | $ | 0.00 | $ | 0.00 | $ | 10,473,238.19 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,473,238.19 | |||||||||||||||||||
| Regular Principal Payment | $ | 9,585,593.84 | $ | 9,585,593.84 | $ | 0.00 | $ | 0.00 | $ | 887,644.35 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 887,644.35 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 887,644.35 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 10,958,264.56 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 9,585,593.84 | |||||||||||||||||||||||||||
| Total | $ | 9,585,593.84 | |||||||||||||||||||||||||||
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 | $ | 9,585,593.84 | $ | 91.47 | $ | 168,786.96 | $ | 1.61 | $ | 9,754,380.80 | $ | 93.08 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 118,688.17 | $ | 3.76 | $ | 118,688.17 | $ | 3.76 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 85,077.08 | $ | 4.04 | $ | 85,077.08 | $ | 4.04 | |||||||||||||||||||||||
| Total | $ | 9,585,593.84 | $ | 9.11 | $ | 372,552.21 | $ | 0.35 | $ | 9,958,146.05 | $ | 9.46 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 44 | ||||
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 | $ | 51,538,004.06 | 0.4917748 | $ | 41,952,410.22 | 0.4003093 | |||||||||||||||||
| Class B Notes | $ | 31,580,000.00 | 1.0000000 | $ | 31,580,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 21,050,000.00 | 1.0000000 | $ | 21,050,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 104,168,004.06 | 0.0989598 | $ | 94,582,410.22 | 0.0898534 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 3.267 | % | 3.306 | % | |||||||
| Weighted Average Remaining Term | 21.13 | 20.51 | |||||||||
| Number of Receivables Outstanding | 11,730 | 11,232 | |||||||||
| Pool Balance | $ | 134,968,986.84 | $ | 124,420,699.27 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 125,220,638.48 | $ | 115,635,044.64 | |||||||
| Pool Factor | 0.1150221 | 0.1060327 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 2,631,579.30 | |||
| Yield Supplement Overcollateralization Amount | $ | 8,785,654.63 | |||
| Targeted Overcollateralization Amount | $ | 29,838,289.05 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 29,838,289.05 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 2,631,579.30 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 2,631,579.30 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 2,631,579.30 | |||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 44 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 35 | $ | 38,753.23 | ||||||||||||||
| (Recoveries) | 58 | $ | 69,872.75 | ||||||||||||||
| Net Loss for Current Collection Period | $ | (31,119.52) | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | -0.2767 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.6500 | % | |||||||||||||||
| Second Prior Collection Period | 0.9501 | % | |||||||||||||||
| Prior Collection Period | -0.1197 | % | |||||||||||||||
| Current Collection Period | -0.2879 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.2981 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 1,923 | $ | 8,385,539.63 | ||||||||||||||
| (Cumulative Recoveries) | $ | 2,217,937.44 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 6,167,602.19 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.5256 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 4,360.66 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 3,207.28 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 1.92 | % | 135 | $ | 2,394,921.62 | ||||||||||||
| 61-90 Days Delinquent | 0.36 | % | 23 | $ | 441,996.80 | ||||||||||||
| 91-120 Days Delinquent | 0.04 | % | 3 | $ | 54,338.75 | ||||||||||||
| Over 120 Days Delinquent | 0.28 | % | 18 | $ | 347,727.32 | ||||||||||||
| Total Delinquent Receivables | 2.60 | % | 179 | $ | 3,238,984.49 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 11 | $ | 231,058.80 | ||||||||||||||
| Total Repossessed Inventory | 13 | $ | 250,666.89 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.3347 | % | |||||||||||||||
| Prior Collection Period | 0.4263 | % | |||||||||||||||
| Current Collection Period | 0.3917 | % | |||||||||||||||
| Three Month Average | 0.3842 | % | |||||||||||||||
| 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 | 0.6784 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 44 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 35 | $797,066.72 | ||||||||||||
| 2 Months Extended | 57 | $1,015,279.58 | ||||||||||||
| 3+ Months Extended | 14 | $230,075.76 | ||||||||||||
| Total Receivables Extended | 106 | $2,042,422.06 | ||||||||||||
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
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Ford Credit Auto Owner Trust 2022-B published this content on February 19, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 19, 2026 at 14:08 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]