C
American Commercial Bank & Trust, National Association
Ottawa,  IL
Rating Date
June 2025
Risk Based
Capital Ratio
11.23
Leverage
Ratio
9.13
Return On
Assets
1.34%
Total
Assets
1.76B
Capital
155.47M
Total
Deposits
1.55B
Net
Income
5.83M
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Weiss Ratings American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Rating C
Asset Quality Index 5.10
Capitalization Index 7.20
Liquidity Index 1.50
Profitability Index 6.90
Stability Index 5.00
Company Info American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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FDIC Number 3719
Phone Number (815) 434-0044
Website www.acbandt.com
Asset Quality American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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1-Year Asset Growth 14.12%
5-Year Asset Growth 56.00%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.54%
Non-Performing Loans to Capital 5.28%
Non-Performing Loans to Loans 0.64%
Balance Sheet American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Total Assets 1.76B
Total Deposits 1.55B
Capital and Reserves American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Capital 155.47M
Leverage Ratio 9.13
Loan Loss Reserves to Loans 1.55%
Risk-Based Capital Ratio 11.23
Liquidity American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Hot Money Ratio 9.73%
Liquidity Ratio 10.32%
Profitability American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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5-Year Return on Average Assets 1.09%
Net Income 5.83M
Net Interest Spread 3.68%
Operating Profit to Average Assets 1.84%
Overhead Efficiency Ratio 51.52%
Return on Assets 1.34%
Return on Equity 15.38%