D
American Commerce Bank, National Association
Bremen,  GA
Rating Date
October 2025
Risk Based
Capital Ratio
20.82
Leverage
Ratio
15.59
Return On
Assets
1.62%
Total
Assets
495.51M
Capital
78.05M
Total
Deposits
398.06M
Net
Income
6.19M
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Weiss Ratings American Commerce Bank, National Association
Bremen, GA 		Click to
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Rating D
Asset Quality Index 2.60
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 8.40
Stability Index 9.60
Company Info American Commerce Bank, National Association
Bremen, GA 		Click to
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FDIC Number 57686
Phone Number (770) 537-2265
Website www.americancommercebank.com
Asset Quality American Commerce Bank, National Association
Bremen, GA 		Click to
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1-Year Asset Growth -3.77%
5-Year Asset Growth 10.17%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.58%
Non-Performing Loans to Capital 14.03%
Non-Performing Loans to Loans 3.01%
Balance Sheet American Commerce Bank, National Association
Bremen, GA 		Click to
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Total Assets 495.51M
Total Deposits 398.06M
Capital and Reserves American Commerce Bank, National Association
Bremen, GA 		Click to
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Capital 78.05M
Leverage Ratio 15.59
Loan Loss Reserves to Loans 2.26%
Risk-Based Capital Ratio 20.82
Liquidity American Commerce Bank, National Association
Bremen, GA 		Click to
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Hot Money Ratio 37.38%
Liquidity Ratio 20.35%
Profitability American Commerce Bank, National Association
Bremen, GA 		Click to
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5-Year Return on Average Assets 1.34%
Net Income 6.19M
Net Interest Spread 4.18%
Operating Profit to Average Assets 2.15%
Overhead Efficiency Ratio 48.18%
Return on Assets 1.62%
Return on Equity 11.03%