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American Commercial Bank & Trust, National Association
Ottawa, IL · FDIC Certificate #3719 · Chartered 06/0
Total assets
$2.07B
Total deposits
$1.84B
Total equity
$188.94M
Net loans
$1.73B
Branches (offices)
11
Net income (YTD)
$13.69M
Rank: #589 of 4,213 U.S. banks by assets · #38 of 322 in Illinois. Assets changed 12.0% and deposits 12.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 14.97% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 9.13% |
| Tier 1 leverage ratio | 9.34% |
| Uninsured deposits (share of deposits) | 34.3% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 93.8% |
| Real estate loans (share of loans) | 70.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.21B | 70.0% | |
| Commercial & industrial | $527.87M | 30.5% | |
| Consumer / individual | $509.00K | 0.0% | |
| Construction & development | $98.81M | 5.7% | |
| Agricultural | $16.35M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.16B | $997.34M | $6.21M | $98.93M |
| Jun 2023 | $1.45B | $1.23B | $6.80M | $115.07M |
| Jun 2024 | $1.63B | $1.44B | $8.32M | $137.48M |
| Jun 2025 | $1.85B | $1.64B | $12.00M | $161.62M |
| Jun 2026 | $2.07B | $1.84B | $13.69M | $188.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.84B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.84B.
Similar-sized banks
First Bank ($2.07B) · The Village Bank ($2.07B)
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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