Bank call report · Ottawa, IL
American Commercial Bank & Trust, N.A. Call Report
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American Commercial Bank & Trust, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 333 reported line items, schedule by schedule (395 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 856243 |
| FDIC certificate number | 3719 |
| Total assets | $2.07B |
Official Q2 2026 call report PDF (FFIEC) →
American Commercial Bank & Trust, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · American Commercial Bank & Trust, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.07B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.07B |
| Total Liabilities and Minority Interest | RCON2948 | $1.88B |
| Total Deposits | RCON2200 | $1.84B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.75B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.73B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.40B |
| Deposits: Noninterest-bearing | RCON6631 | $441.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $194.8M |
| Total Equity Capital | RCON3210 | $188.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $188.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $129.1M |
| Other Assets | RCON2160 | $64.7M |
| Surplus | RCON3839 | $63.2M |
| Interest-bearing Balances | RCON0071 | $28.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $26.2M |
| Other Borrowed Money | RCON3190 | $19.6M |
| Other Liabilities, Total | RCON2930 | $16.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $12.3M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $10.8M |
| Trading Assets, Total | RCON3545 | $10.5M |
| Intangible Assets | RCON2143 | $8.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.1M |
| Loans and Leases Held for Sale | RCON5369 | $3.1M |
| Goodwill | RCON3163 | $2.4M |
| Other Real Estate Owned | RCON2150 | $2.0M |
| Common Stock | RCON3230 | $750K |
Schedule RI: Income Statement (43 items)
About Schedule RI · American Commercial Bank & Trust, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $62.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $57.5M |
| Net Interest Income | RIAD4074 | $40.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $35.5M |
| Total Interest Expense | RIAD4073 | $22.9M |
| Total Noninterest Expense | RIAD4093 | $21.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $18.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $18.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $18.0M |
| Salaries and Employee Benefits | RIAD4135 | $14.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $13.7M |
| Net Income (Loss) | RIAD4340 | $13.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $13.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $13.4M |
| Other Noninterest Expense | RIAD4092 | $5.5M |
| Applicable Income Taxes | RIAD4302 | $4.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.4M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.4M |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$2.6M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.0M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.0M |
| Total Noninterest Income | RIAD4079 | $1.9M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.6M |
| Other Noninterest Income | RIADB497 | $941K |
| Net Servicing Fees | RIADB492 | $739K |
| Interest on Other Securities | RIAD4060 | $695K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $641K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $531K |
| Other Interest Expense | RIADGW44 | $497K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $456K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $370K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $281K |
| Other Interest Income | RIAD4518 | $165K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $74K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$56K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $45K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $39K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $29K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 166 |
Schedule RC-B: Securities (32 items)
About Schedule RC-B · American Commercial Bank & Trust, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $9.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $8.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $7.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $7.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $200.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $156.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $153.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $114.5M |
| Pledged Securities | RCON0416 | $37.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $32.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.4M |
| Amortized Cost of Structured Notes | RCON8782 | $11.3M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $11.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $11.2M |
| Fair Value of Structured Notes | RCON8783 | $11.2M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $11.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $9.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $8.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $3.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $500K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $497K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $434K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $432K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $264K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · American Commercial Bank & Trust, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.76B |
| Pledged Loans and Leases | RCONG378 | $1.18B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $790.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $607.7M |
| Commercial and Industrial Loans | RCON1766 | $527.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $494.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $484.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $354.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $321.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $151.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $143.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $71.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $70.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $61.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $48.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $46.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $34.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $29.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $28.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $27.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $18.7M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $16.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $13.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $7.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $6.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.5M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $691K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $452K |
| Unearned Income on Loans | RCON2123 | $412K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $49K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $137.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $115.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $21.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $14.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $12.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $981K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $466K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $242K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $219K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 559 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 264 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 216 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 128 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 86 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 83 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
Schedule RC-E: Deposit Liabilities (36 items)
About Schedule RC-E · American Commercial Bank & Trust, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.05B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $982.6M |
| Total Transaction Accounts | RCON2215 | $795.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $703.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $666.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $459.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $452.0M |
| Total Brokered Deposits | RCON2365 | $452.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $405.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $330.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $287.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $283.7M |
| Total reciprocal deposits | RCONJH83 | $272.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $203.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $198.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $198.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $160.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $121.2M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $101.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $86.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $74.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $74.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $55.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $55.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $49.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $41.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $35.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $34.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $19.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $17.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $15.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $12.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $7.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $41.8M |
| Accrued Interest Receivable | RCONB556 | $6.9M |
| Net Deferred Tax Assets | RCON2148 | $6.1M |
| Other Assets | RCON2168 | $5.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $4.6M |
| Prepaid Expenses | RCON2166 | $1.5M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $8.2M |
| Deferred Compensation Liabilities | RCONC011 | $4.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.3M |
| Operating lease liabilities | RCONLB56 | $3.0M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.3M |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · American Commercial Bank & Trust, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.05B |
| Quarterly Average of Total Loans | RCON3360 | $1.74B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.04B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $624.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $498.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $418.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $326.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $194.0M |
| Mortgage-backed Securities | RCONB559 | $165.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $35.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $35.6M |
| All Other Securities | RCONB560 | $33.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $27.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $16.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $492K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · American Commercial Bank & Trust, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $333.5M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $74.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $74.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $67.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $20.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $19.2M |
| Performance Standby Letters of Credit | RCON3821 | $18.7M |
| Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk | RCONC224 | $9.3M |
| Unused Commitments - Credit Card Lines | RCON3815 | $1.9M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $47K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · American Commercial Bank & Trust, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $18.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $18.6M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $10.7M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $6.1M |
| Mortgage Servicing Assets | RCON3164 | $6.1M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $2.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $1.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $540K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · American Commercial Bank & Trust, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.6M |
| Additions to Nonaccrual Assets | RCONC410 | $4.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $3.2M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $2.3M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $1.4M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $600K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $379K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $222K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $118K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $88K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $25K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $8K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $5K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · American Commercial Bank & Trust, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.05B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.85B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.08B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $746.4M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $632.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $188.8M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCONF237 | $16.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $384K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,047 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 807 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 171 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · American Commercial Bank & Trust, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $2.07B |
| Average total consolidated assets | RCOAKW03 | $2.05B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.05B |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $272.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $253.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $191.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $191.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $191.3M |
| Unconditionally Cancellable Commitments | RCOAS540 | $189.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $188.9M |
| Retained Earnings | RCOAKW00 | $129.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $63.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $18.7M |
| Trading assets and trading liabilities (Schedule RC, sum of items 5 and 15). Report as a dollar amount in Column A and as a percentage of total assets (5% limit) in Column B | RCOAKX77 | $10.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1315 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0934 |
| Trading assets and trading liabilities (Schedule HC, sum of items 5 and 15) | RCOAKX78 | 0.0051 |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $668K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $188.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $178.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $178.1M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | -$1.5M |
| Other Comprehensive Income | RIADB511 | -$1.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · American Commercial Bank & Trust, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $203K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $154K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $60K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $51K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $37K |
| 1-4 Family Residential Construction Loans Recoveries | RIADC892 | $9K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $7K |
| Charge-offs on All Other Loans | RIAD4644 | $3K |
| 1-4 Family Residential Construction Loans, Charge-offs | RIADC891 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · American Commercial Bank & Trust, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $26.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $24.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $203K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.75B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $839.0M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $563.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $251.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $98.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $26.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $13.2M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $6.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.3M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $1.3M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $452K |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $57K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $21K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4499 | -$1.5M |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $413.0M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $12.9M |
American Commercial Bank & Trust, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the American Commercial Bank & Trust, N.A. call report?
The American Commercial Bank & Trust, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does American Commercial Bank & Trust, N.A. file?
American Commercial Bank & Trust, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the American Commercial Bank & Trust, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: American Commercial Bank & Trust, N.A. has Federal Reserve RSSD ID 856243 and FDIC certificate number 3719. Either one finds its filings on the FFIEC Central Data Repository.
How often does American Commercial Bank & Trust, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
American Commercial Bank & Trust, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)