American Commerce Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Commerce Bank, N.A. of Bremen, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.77% | 1.34% | +0.43% | 77th top |
| ROAE | 10.48% | 13.32% | -2.84% | 39th below |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 47.92% | 61.15% | -13.23% | 85th top |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.66% | 5.67% | +0.99% | 90th top |
| Cost of Funds | 2.72% | 1.88% | +0.84% | 10th bottom |
| Net Interest Spread | 3.67% | 3.32% | +0.35% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.98% | 0.94% | +2.04% | 7th bottom |
| NPA / Total Assets | 2.51% | 0.70% | +1.81% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 2.18% | 1.28% | +0.90% | 95th top |
| ACL / NPLs (Coverage) | 73.06% | 1539.44% | -1466.38% | 19th bottom |
| Texas Ratio | 13.28% | 7.33% | +5.95% | 15th bottom |
| Provision / NCO | -38.76% | 1396.54% | -1435.30% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.90% | 19.50% | +1.40% | 80th top |
| Tier 1 Ratio | 20.90% | 19.53% | +1.37% | 80th top |
| Total Capital Ratio | 22.16% | 20.62% | +1.54% | 80th top |
| Leverage Ratio | 17.09% | 12.14% | +4.95% | 93rd top |
| Equity / Assets | 17.08% | 11.37% | +5.71% | 93rd top |
| TCE / Tangible Assets | 17.08% | 11.09% | +5.99% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.65% | 80.63% | +24.02% | 7th bottom |
| Core Deposit Ratio | 85.11% | 86.86% | -1.75% | 31st below |
| Wholesale Funding Ratio | 3.03% | 5.03% | -2.00% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.94% | 6.86% | -7.80% | 14th bottom |
| Loan Growth (Y/Y) | -4.08% | 7.91% | -11.99% | 9th bottom |
| Deposit Growth (Y/Y) | -3.13% | 6.29% | -9.42% | 10th bottom |
See American Commerce Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Commerce Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Commerce Bank, N.A. profile, how to read a UBPR, or how this data updates.