American Commerce Bank, National Association

Bremen, GA

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
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Total
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Capital

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Weiss Ratings	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	3.20
Capitalization Index	10.00
Liquidity Index	0.20
Profitability Index	8.70
Stability Index	9.40

Company Info	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	57686
Phone Number	(770) 537-2265
Website	www.americancommercebank.com

Asset Quality	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.94%
5-Year Asset Growth	5.36%
5-Year Charge-Offs to Average Loans	0.05%
Charge-Offs to Average Loans	0.09%
Non-Performing Assets to Assets	2.51%
Non-Performing Loans to Capital	13.07%
Non-Performing Loans to Loans	2.98%

Balance Sheet	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	495.67M
Total Deposits	392.11M

Capital and Reserves	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
Capital	84.67M
Leverage Ratio	17.09
Loan Loss Reserves to Loans	2.18%
Risk-Based Capital Ratio	22.16

Liquidity	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	32.38%
Liquidity Ratio	19.78%

Profitability	American Commerce Bank, National Association Bremen, GA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.46%
Net Income	4.37M
Net Interest Spread	4.37%
Operating Profit to Average Assets	2.38%
Overhead Efficiency Ratio	47.39%
Return on Assets	1.79%
Return on Equity	10.61%