American Commercial Bank & Trust, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1859.85 percentage points lower than in Q1 2026, at 527.71%. Within Illinois, American Commercial Bank & Trust, N.A. is 108th of 323 on return on assets, 1.45% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. American Commercial Bank & Trust, N.A. sits 0.17 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.34% |
| Equity capital to assets | 9.13% |
| Tangible equity to tangible assets | 9.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.33% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 527.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 16.05% |
| Net interest margin | 4.16% |
| Efficiency ratio | 50.95% |
| Yield on earning assets | 6.48% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Core deposits to total deposits | 73.22% |
| Brokered deposits to total deposits | 24.51% |
| Deposits to assets | 89.11% |
| Securities to assets | 9.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.76% | 9.76% | 11.02% | 8.75% | 1.13% |
| Q4 2023 | 9.57% | 9.57% | 10.82% | 8.95% | 1.29% |
| Q1 2024 | 9.74% | 9.74% | 10.99% | 8.97% | 1.05% |
| Q2 2024 | 9.62% | 9.62% | 10.88% | 8.90% | 1.09% |
| Q3 2024 | 9.82% | 9.82% | 11.07% | 8.81% | 1.48% |
| Q4 2024 | 9.75% | 9.75% | 11.00% | 9.06% | 1.53% |
| Q1 2025 | 9.98% | 9.98% | 11.23% | 9.13% | 1.34% |
| Q2 2025 | 9.92% | 9.92% | 11.17% | 9.12% | 1.36% |
| Q3 2025 | 10.15% | 10.15% | 11.41% | 9.04% | 1.66% |
| Q4 2025 | 9.99% | 9.99% | 11.25% | 9.08% | 1.47% |
| Q1 2026 | 10.45% | 10.45% | 11.70% | 9.10% | 1.24% |
| Q2 2026 | — | — | — | 9.34% | 1.45% |
American Commercial Bank & Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commercial Bank & Trust, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Commercial Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)