American Commercial Bank & Trust, N.A.
Also written as ACB&T
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Data as of · sourced from FFIEC call reports. How we update
American Commercial Bank & Trust, N.A. is an FDIC-insured commercial bank headquartered in Ottawa, IL, supervised by the OCC, with $2.07B in total assets at Q2 2026, up 12.0% from Q2 2025, the 37th largest of 319 banks headquartered in Illinois. It was established in 1865 and holds FDIC certificate 3719. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3719
- Headquarters
- Ottawa, IL
- Established
- 1865
- Total assets, Q2 2026
- $2.07B
- Assets vs Q2 2025
- +12.0%
- Tier 1 leverage ratio, Q2 2026
- 9.34%
- Domestic offices
- 11 · American Commercial Bank & Trust, N.A. branches FDIC institution directory, current count
- Routing number
- 071902399
- Safety and soundness
- Is American Commercial Bank & Trust, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · American Commercial Bank & Trust, N.A. Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- FIRST OTTAWA BANCSHARES, INC.
- Asset rank in state
- 37th of 319 in Illinois
American Commercial Bank & Trust, N.A. operates with a thinner capital cushion than most banks of its size. It reported $2.1 billion in assets at June 30, 2026, up 12.0% from a year earlier. It funds 9.34% of its assets with Tier 1 capital, lower than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). It also grew its loan book 13.1% over the year, about double the median of 6.0% for banks its size.
Net income for the quarter rose 21% from a year earlier, to $7.4 million. Its $355 million non-owner-occupied commercial real estate book is improving, with 0.17% past due or on nonaccrual, down from 1.39% a year earlier. Funding is the softer spot: it pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, American Commercial Bank & Trust, N.A. reported a return on assets of 1.45%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 3.33%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Commercial Bank & Trust, N.A. is the 37th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $2.07B, loans rose 1.6% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 30.1% of total loans, followed by owner-occupied commercial real estate loans at 27.6%. Its 11 offices in the FDIC Summary of Deposits are in 7 cities in IL; its Ottawa 4 offices book 61% of its branch deposits. On its Q2 2026 call report, American Commercial Bank & Trust, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 La Salle St, Ottawa, IL 61350
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1865
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 166
- Domestic deposits
- $1.84B
- Allowance for credit losses
- $26.2M
- Net charge-offs (YTD)
- $143K
- Average total assets
- $2.05B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3719
- Fed RSSD
- 856243
- SEC CIK
- 1099668 → filed by FIRST OTTAWA BANCSHARES, INC.
- Website
- www.acbandt.com →
- Parent Holding Company
- FIRST OTTAWA BANCSHARES, INC. (RSSD 2791816) · FOTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Joachim J Brown | CEO | President & CEO |
| Vincent G Easi | CFO | Chief Financial Officer |
| Donald J Harris | COO | EVP/Chief Operating Officer |
| Steven M Gonzalo | CTO | Chief Technology Officer |
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, American Commercial Bank & Trust, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
American Commercial Bank & Trust, N.A.'s total assets moved between a low of $1.46B (Q3 2023) and a high of $2.07B (Q2 2026) from Q3 2023 to Q2 2026, 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
$2.07B total assets against $1.85B; $1.88B total liabilities against $1.69B.
$1.73B net loans and leases against $1.53B; $1.84B total deposits against $1.64B.
$205.6M securities against $183.7M; $36.0M cash and balances due against $50.9M.
$32.3M total interest income against $27.8M; $11.6M total interest expense against $11.2M.
$20.7M net interest income against $16.6M.
$1.6M total noninterest income against $2.3M; $11.4M total noninterest expense against $9.6M.
$980K provision for credit losses against $720K.
$7.4M net income against $6.2M.
1.45% return on assets against 1.36%; 4.16% net interest margin against 3.80%.
9.34% tier 1 leverage ratio against 9.12%.
Inside the full American Commercial Bank & Trust, 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.
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 Commercial Bank & Trust, N.A. rankings
Its closest position to the top of a national ranking is 581 of 4,196, for total assets; its furthest is 1,764 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.24% (Q1 2026) to 1.66% (Q3 2025) and its net interest margin ran from 3.68% (Q1 2025) to 4.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.34% | 1.45% | 0.29% | 3.33% | 4.16% |
| Q1 2026 | 9.10% | 1.24% | 0.10% | 2.31% | 3.95% |
| Q4 2025 | 9.08% | 1.47% | 0.38% | 3.61% | 4.04% |
| Q3 2025 | 9.04% | 1.66% | 0.54% | 4.48% | 3.94% |
| Q2 2025 | 9.12% | 1.36% | 0.57% | 4.90% | 3.80% |
| Q1 2025 | 9.13% | 1.34% | 0.65% | 5.44% | 3.68% |
| Q4 2024 | 9.06% | 1.53% | 0.55% | 4.73% | 3.84% |
| Q3 2024 | 8.81% | 1.48% | 0.57% | 4.80% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Plaza Facility | Ottawa , IL | 61350 | $424.3M |
| American Commercial Bank & Trust, N.A. (main office) | Ottawa , IL | 61350 | $357.3M |
| American Commercial Bank & Trust Branch | Schaumburg , IL | 60173 | $325.9M |
| Northfield Branch | Ottawa , IL | 61350 | $268.0M |
| Lisle Branch | Lisle , IL | 60532 | $258.5M |
| South Branch | Ottawa , IL | 61350 | $67.0M |
| Morris National Bank & Trust | Morris , IL | 60450 | $42.9M |
| Streator Banking Center Facility | Streator , IL | 61364 | $41.7M |
| American Commercial Bank & Trust Branch | Chicago , IL | 60642 | $29.6M |
| North Facility | Streator , IL | 61364 | $15.4M |
| Yorkville National Bank & Trust | Yorkville , IL | 60560 | $13.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 22, 2012, OCC: Formal Agreement: The First National Bank of Ottawa
- Period: Most recent institution action May 22, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 47 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 251 applications, 209 loans originated, $72.7M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Commercial Bank & Trust, N.A.
What are American Commercial Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, American Commercial Bank & Trust, N.A. reported total assets of $2.07 billion in its FFIEC call report.
Where is American Commercial Bank & Trust, N.A. headquartered?
It is headquartered in Ottawa, IL, United States.
When was American Commercial Bank & Trust, N.A. founded?
It was established in 1865, per the FDIC institution directory.
Is American Commercial Bank & Trust, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Commercial Bank & Trust, N.A.?
American Commercial Bank & Trust, N.A.'s primary federal regulator is the OCC.
How many branches does American Commercial Bank & Trust, N.A. operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Commercial Bank & Trust, N.A.'s Texas Ratio?
Its Texas Ratio is 3.33% 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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