American Commerce Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
American Commerce Bank, N.A. is an FDIC-insured commercial bank headquartered in Bremen, GA, established in 2004 (FDIC certificate 57686), and it is supervised by the OCC. At Q2 2026 it reported total assets of $495.7M, down 0.9% from Q2 2025, the 38th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 20.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57686
- Headquarters
- Bremen, GA
- Established
- 2004
- Total assets, Q2 2026
- $495.7M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 20.90%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061120453
- Latest call report
- Q2 2026, FFIEC 051 · American Commerce Bank, N.A. call report
- Holding company
- AMERICAN COMMERCE BANCSHARES, INC.
- Asset rank in state
- 38th of 121 in Georgia
Problem loans are rising at American Commerce Bank, N.A.. It reported $496 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.98% of loans from 2.55% a year earlier. It pays an average of 2.72% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 17.09% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
The non-owner-occupied commercial real estate book ($165 million) is worsening: 2.00% of it is past due or on nonaccrual, up from 1.09% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, American Commerce Bank, N.A. reported a CET1 capital ratio of 20.90%, a return on assets of 1.77%, a nonperforming-loan ratio of 2.98% and a Texas ratio of 13.28%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, American Commerce Bank, N.A. is the 38th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $495.7M, loans fell 2.0% and deposits rose 1.9%. Non-owner-occupied commercial real estate loans made up 40.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Bremen office books 68% of its branch deposits. On its Q2 2026 call report, American Commerce Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Us Highway 27 Byp, Bremen, GA 30110
- County
- Haralson
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 2004
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $392.1M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $178K
- Average total assets
- $495.4M
- Average total loans
- $415.6M
- Average interest-bearing deposits
- $361.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 2004
- FDIC Cert
- 57686
- Fed RSSD
- 3272956
- SEC CIK
- 1482374 → filed by AMERICAN COMMERCE BANCSHARES, INC.
- Website
- www.americancommercebank.com →
- Parent Holding Company
- AMERICAN COMMERCE BANCSHARES, INC. (RSSD 3272947)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Commerce Bank, N.A.'s total assets ran between $482.8M (Q2 2024) and $536.3M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$495.7M total assets against $500.4M; $411.0M total liabilities against $424.5M.
$401.4M net loans and leases against $418.7M; $392.1M total deposits against $404.8M.
$0 securities against $0; $81.3M cash and balances due against $67.8M.
$8.2M total interest income against $9.1M; $2.8M total interest expense against $3.3M.
$5.4M net interest income against $5.7M.
$151K total noninterest income against $188K; $2.7M total noninterest expense against $2.8M.
-$4K provision for credit losses against $118K.
$2.2M net income against $2.3M.
1.77% return on assets against 1.80%; 4.41% net interest margin against 4.56%.
20.90% CET1 capital ratio against 18.07%; 17.09% tier 1 leverage ratio against 14.97%.
Inside the full American Commerce Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Commerce Bank, N.A. rankings
Its closest position to the top of a national ranking is 398 of 3,640, for Texas Ratio; its furthest is 1,789 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q4 2024) to 1.83% (Q4 2025) and its net interest margin ran from 3.57% (Q4 2024) to 4.56% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.90% | 1.77% | 2.98% | 13.28% | 4.41% |
| Q1 2026 | 20.00% | 1.82% | 2.78% | 12.98% | 4.32% |
| Q4 2025 | 19.58% | 1.83% | 2.90% | 13.94% | 4.24% |
| Q3 2025 | 19.56% | 1.71% | 3.01% | 14.68% | 4.27% |
| Q2 2025 | 18.07% | 1.80% | 2.55% | 13.49% | 4.56% |
| Q1 2025 | 16.87% | 1.36% | 3.75% | 20.66% | 3.73% |
| Q4 2024 | 16.15% | 1.12% | 3.82% | 22.06% | 3.57% |
| Q3 2024 | 16.12% | 1.21% | 2.40% | 14.34% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Commerce Bank, N.A. (main office) | Bremen , GA | 30110 | $267.7M |
| Tallahassee Branch | Tallahassee , FL | 32301 | $50.4M |
| Carrollton Branch | Carrollton , GA | 30117 | $43.8M |
| Johns Creek Branch | Johns Creek , GA | 30097 | $30.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 2015 | Structure Change | Acquired ProBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 15, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Peoples Community National Bank
- Period: Most recent institution action September 15, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 75 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8 applications, 8 loans originated, $2.1M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $264K approved, $264K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Commerce Bank, N.A.
What are American Commerce Bank, N.A.'s total assets?
As of the Q2 2026 filing, American Commerce Bank, N.A. reported total assets of $495.7 million in its FFIEC call report.
Where is American Commerce Bank, N.A. headquartered?
It is headquartered in Bremen, GA, United States.
When was American Commerce Bank, N.A. founded?
It was established in 2004, per the FDIC institution directory.
Is American Commerce Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Commerce Bank, N.A.?
American Commerce Bank, N.A.'s primary federal regulator is the OCC.
What is American Commerce Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Commerce Bank, N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Commerce Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 13.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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