C
American Commercial Bank & Trust, National Association
Ottawa,  IL
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.34
Return On
Assets
1.34%
Total
Assets
2.07B
Capital
188.94M
Total
Deposits
1.84B
Net
Income
13.69M
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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 6.60
Capitalization Index 7.50
Liquidity Index 0.90
Profitability Index 7.60
Stability Index 4.30
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 11.96%
5-Year Asset Growth 24.86%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.34%
Non-Performing Loans to Capital 2.34%
Non-Performing Loans to Loans 0.28%
Balance Sheet American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Total Assets 2.07B
Total Deposits 1.84B
Capital and Reserves American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Capital 188.94M
Leverage Ratio 9.34
Loan Loss Reserves to Loans 1.49%
Risk-Based Capital Ratio --
Liquidity American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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Hot Money Ratio 10.99%
Liquidity Ratio 11.40%
Profitability American Commercial Bank & Trust, National Association
Ottawa, IL 		Click to
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5-Year Return on Average Assets 1.27%
Net Income 13.69M
Net Interest Spread 4.07%
Operating Profit to Average Assets 1.83%
Overhead Efficiency Ratio 50.85%
Return on Assets 1.34%
Return on Equity 14.99%