American Commercial Bank & Trust, National Association

Ottawa, IL

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
Assets

Capital

Total
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Weiss Ratings	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	5.30
Capitalization Index	7.20
Liquidity Index	1.50
Profitability Index	7.00
Stability Index	5.00

Company Info	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	3719
Phone Number	(815) 434-0044
Website	www.acbandt.com

Asset Quality	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	13.68%
5-Year Asset Growth	56.00%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.14%
Non-Performing Assets to Assets	0.46%
Non-Performing Loans to Capital	4.76%
Non-Performing Loans to Loans	0.55%

Balance Sheet	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.85B
Total Deposits	1.64B

Capital and Reserves	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Capital	161.62M
Leverage Ratio	9.12
Loan Loss Reserves to Loans	1.46%
Risk-Based Capital Ratio	11.17

Liquidity	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	10.33%
Liquidity Ratio	9.97%

Profitability	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.09%
Net Income	12.00M
Net Interest Spread	3.74%
Operating Profit to Average Assets	1.86%
Overhead Efficiency Ratio	51.00%
Return on Assets	1.35%
Return on Equity	15.47%