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American Commerce Bank, National Association
Bremen, GA · FDIC Certificate #57686 · Chartered 10/0
Total assets
$495.67M
Total deposits
$392.11M
Total equity
$84.67M
Net loans
$401.39M
Branches (offices)
4
Net income (YTD)
$4.37M
Rank: #1,796 of 4,213 U.S. banks by assets · #38 of 123 in Georgia. Assets changed -0.9% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 10.61% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 17.08% |
| Tier 1 leverage ratio | 17.09% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 2.98% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 102.4% |
| Real estate loans (share of loans) | 94.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $378.83M | 94.4% | |
| Commercial & industrial | $29.46M | 7.3% | |
| Consumer / individual | $1.72M | 0.4% | |
| Construction & development | $40.33M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $435.64M | $364.73M | $3.41M | $55.30M |
| Jun 2023 | $534.14M | $451.87M | $3.39M | $62.15M |
| Jun 2024 | $482.80M | $394.63M | $3.17M | $68.67M |
| Jun 2025 | $500.37M | $404.79M | $4.05M | $75.91M |
| Jun 2026 | $495.67M | $392.11M | $4.37M | $84.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $341.71M | 3 |
| Florida | $50.40M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $392.11M.
Similar-sized banks
Casey State Bank ($496.69M) · People'S Bank Of Seneca ($495.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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