American Commercial Bank & Trust, National Association

Ottawa, IL

Rating Date

March 2026

Risk Based
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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	5.80
Capitalization Index	7.10
Liquidity Index	1.10
Profitability Index	7.70
Stability Index	4.30

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	18.40%
5-Year Asset Growth	24.86%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.14%
Non-Performing Assets to Assets	0.32%
Non-Performing Loans to Capital	3.22%
Non-Performing Loans to Loans	0.34%

Balance Sheet	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.03B
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	178.08M
Leverage Ratio	9.08
Loan Loss Reserves to Loans	1.40%
Risk-Based Capital Ratio	11.25

Liquidity	American Commercial Bank & Trust, National Association Ottawa, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	11.28%
Liquidity Ratio	10.47%

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	27.15M
Net Interest Spread	3.88%
Operating Profit to Average Assets	2.00%
Overhead Efficiency Ratio	48.20%
Return on Assets	1.46%
Return on Equity	16.69%