AMERICAN COMMUNITY BANK & TRUST

WOODSTOCK, IL | Large | Est. March 13, 2000, midnight | FDIC #35412 | RSSD #2869162 | FDIC
Latest Report: 2025-12-31

AMERICAN COMMUNITY BANK & TRUST is aln large FDIC-insured commercial bank headquartered in WOODSTOCK, IL, established in March 13, 2000, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $984M. Profitability stands at 1.38% ROA and 13.59% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 9.98%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #35412.

Assets

$1.1B

Deposits

$984M

Loans

$763M

Equity

$114M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 13.59%
Net Interest Margin (NIM) 4.14%
Yield on Assets 5.94%
Cost of Funds 2.93%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.68%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 9.98%
Tier 1 Capital 9.98%
Total Capital Ratio 10.48%
Leverage Ratio 10.24%
Loan-to-Deposit 77.57%

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