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	5.40
Capitalization Index	7.10
Liquidity Index	1.70
Profitability Index	7.70
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	16.29%
5-Year Asset Growth	56.00%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.11%
Non-Performing Assets to Assets	0.42%
Non-Performing Loans to Capital	4.39%
Non-Performing Loans to Loans	0.51%

Balance Sheet	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.94B
Total Deposits	1.75B

Capital and Reserves	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Capital	170.64M
Leverage Ratio	9.04
Loan Loss Reserves to Loans	1.49%
Risk-Based Capital Ratio	11.41

Liquidity	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	11.20%
Liquidity Ratio	11.02%

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	19.90M
Net Interest Spread	3.82%
Operating Profit to Average Assets	1.99%
Overhead Efficiency Ratio	48.66%
Return on Assets	1.46%
Return on Equity	16.71%