American Commercial Bank & Trust, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Commercial Bank & Trust, N.A. of Ottawa, IL against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.45% | 1.46% | -0.01% | 63rd above |
| ROAE | 16.05% | 12.69% | +3.36% | 77th top |
| Net Interest Margin | 4.16% | 3.85% | +0.31% | 77th top |
| Efficiency Ratio | 50.95% | 57.41% | -6.46% | 73rd above |
| PPNR / Avg Assets | 2.13% | 1.88% | +0.25% | 75th top |
| Yield on Earning Assets | 6.48% | 5.72% | +0.76% | 88th top |
| Cost of Funds | 2.49% | 2.02% | +0.47% | 22nd bottom |
| Net Interest Spread | 3.23% | 3.18% | +0.05% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 1.00% | -0.72% | 74th above |
| NPA / Total Assets | 0.34% | 0.76% | -0.42% | 62nd above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 1.49% | 1.31% | +0.18% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 527.71% | 564.39% | -36.68% | 82nd top |
| Texas Ratio | 3.33% | 7.39% | -4.06% | 62nd above |
| Provision / NCO | 1370.63% | 617.83% | +752.80% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.34% | 11.44% | -2.10% | 19th bottom |
| Equity / Assets | 9.13% | 11.34% | -2.21% | 24th bottom |
| TCE / Tangible Assets | 9.02% | 10.50% | -1.48% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.22% | 86.95% | +8.27% | 29th below |
| Core Deposit Ratio | 73.22% | 85.56% | -12.34% | 11th bottom |
| Uninsured Deposit Ratio | 34.28% | 33.12% | +1.16% | 40th below |
| Wholesale Funding Ratio | 0.95% | 5.70% | -4.75% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.96% | 9.68% | +2.28% | 81st top |
| Loan Growth (Y/Y) | 13.08% | 8.05% | +5.03% | 81st top |
| Deposit Growth (Y/Y) | 12.42% | 7.87% | +4.55% | 82nd top |
See American Commercial Bank & Trust, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Commercial Bank & Trust, 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 Commercial Bank & Trust, N.A. profile, how to read a UBPR, or how this data updates.