Ford Credit Auto Owner Trust 2026-B
10/21/2026 | Press release | Distributed by Public on 10/21/2026 08:15
Asset-Backed Issuer Distribution Report (Form 10-D)
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 | |||
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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 | |||||||||||||||||||||||
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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 | |||
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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 | ||||||||||||||||
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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
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Ford Credit Auto Owner Trust 2026-B published this content on October 21, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 21, 2026 at 14:15 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]