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American Community Bank & Trust
Woodstock, IL · FDIC Certificate #35412 · Chartered 03/1
Total assets
$1.18B
Total deposits
$1.01B
Total equity
$120.54M
Net loans
$787.88M
Branches (offices)
4
Net income (YTD)
$8.04M
Rank: #911 of 4,213 U.S. banks by assets · #50 of 322 in Illinois. Assets changed 12.5% and deposits 13.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 13.70% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 10.24% |
| Tier 1 leverage ratio | 10.61% |
| Uninsured deposits (share of deposits) | 47.2% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 77.7% |
| Real estate loans (share of loans) | 69.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $544.03M | 69.0% | |
| Commercial & industrial | $242.93M | 30.8% | |
| Consumer / individual | $567.00K | 0.1% | |
| Construction & development | $23.12M | 2.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $913.69M | $824.47M | $4.88M | $86.87M |
| Jun 2023 | $960.79M | $793.70M | $3.01M | $92.52M |
| Jun 2024 | $1.05B | $851.59M | $5.94M | $104.44M |
| Jun 2025 | $1.05B | $894.40M | $3.63M | $112.01M |
| Jun 2026 | $1.18B | $1.01B | $8.04M | $120.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.01B | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.01B.
Similar-sized banks
Bank Of Pontiac ($1.18B) · Citizens Bank Of Las Cruces ($1.17B)
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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