American Community Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
American Community Bank & Trust is an FDIC-insured commercial bank headquartered in Woodstock, IL, established in 2000 (FDIC certificate 35412), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.18B, up 12.5% from Q2 2025, the 49th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35412
- Headquarters
- Woodstock, IL
- Established
- 2000
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +12.5%
- Tier 1 leverage ratio, Q2 2026
- 10.61%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071926045
- Latest call report
- Q2 2026, FFIEC 051 · American Community Bank & Trust call report
- Holding company
- AMERICAN COMMUNITY FINANCIAL, INC.
- Asset rank in state
- 49th of 319 in Illinois
Problem loans are rising at American Community Bank & Trust. Based in Woodstock, Illinois, it had $1.2 billion in assets at June 30, 2026, up 12.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.28% a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew deposits 13.4% over the year, 2.6 times the median of 5.1% for banks its size.
Delinquency has appeared in its $147 million non-owner-occupied commercial real estate book: 2.27% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 8.2% and deposits rose 13.4%.
As of June 30, 2026, American Community Bank & Trust reported a return on assets of 1.33%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 6.07%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, American Community Bank & Trust is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $1.18B, loans rose 2.0% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 30.8% of total loans, ahead of commercial and industrial loans at 30.4%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Huntley office books 32% of its branch deposits. On its Q2 2026 call report, American Community Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1290 Lake Ave, Woodstock, IL 60098
- County
- Mchenry
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 13, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $10.7M
- Net charge-offs (YTD)
- -$347K
- Average total assets
- $1.16B
- Average total loans
- $782.2M
- Average interest-bearing deposits
- $727.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 13, 2000
- FDIC Cert
- 35412
- Fed RSSD
- 2869162
- SEC CIK
- 1465706 → filed by AMERICAN COMMUNITY FINANCIAL, INC.
- Website
- http://www.amcombank.com →
- Parent Holding Company
- AMERICAN COMMUNITY FINANCIAL, INC. (RSSD 3035049)
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 Community Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Community Bank & Trust's total assets ran between $952.2M (Q4 2023) and $1.18B (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
$1.18B total assets against $1.05B; $1.06B total liabilities against $934.5M.
$787.9M net loans and leases against $728.8M; $1.01B total deposits against $894.4M.
$226.2M securities against $187.0M; $127.0M cash and balances due against $94.9M.
$15.4M total interest income against $13.7M; $4.5M total interest expense against $4.6M.
$10.9M net interest income against $9.1M.
$1.7M total noninterest income against $1.4M; $6.7M total noninterest expense against $5.7M.
$675K provision for credit losses against $4.4M.
$3.9M net income against $474K.
1.33% return on assets against 0.18%; 3.87% net interest margin against 3.66%.
10.61% tier 1 leverage ratio against 11.09%.
Inside the full American Community Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Community Bank & Trust rankings
Its closest position to the top of a national ranking is 146 of 980, for uninsured deposits; its furthest is 1,665 of 3,611, for ROA.
Metric pages for American Community Bank & Trust: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.18% (Q2 2025) to 1.46% (Q1 2026) and its net interest margin ran from 3.20% (Q3 2024) to 3.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.61% | 1.33% | 1.00% | 6.07% | 3.87% |
| Q1 2026 | 10.43% | 1.46% | 0.05% | 0.29% | 3.87% |
| Q4 2025 | 10.24% | 1.37% | 0.00% | 0.00% | 3.89% |
| Q3 2025 | 10.73% | 1.38% | 0.17% | 1.00% | 3.85% |
| Q2 2025 | 11.09% | 0.18% | 0.28% | 1.70% | 3.66% |
| Q1 2025 | 11.04% | 1.22% | 0.18% | 1.04% | 3.49% |
| Q4 2024 | 10.11% | 1.04% | 0.18% | 1.08% | 3.34% |
| Q3 2024 | 10.18% | 1.16% | 0.19% | 1.15% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Huntley Branch | Huntley , IL | 60142 | $326.2M |
| Crystal Lake Branch | Crystal Lake , IL | 60014 | $322.6M |
| American Community Bank & Trust (main office) | Woodstock , IL | 60098 | $182.8M |
| Mchenry Branch | Mchenry , IL | 60050 | $182.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IL, rank 67 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 60 applications, 55 loans originated, $31.8M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.5M approved, $637K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Community Bank & Trust
What are American Community Bank & Trust's total assets?
As of the Q2 2026 filing, American Community Bank & Trust reported total assets of $1.18 billion in its FFIEC call report.
Where is American Community Bank & Trust headquartered?
It is headquartered in Woodstock, IL, United States.
When was American Community Bank & Trust founded?
It was established in 2000, per the FDIC institution directory.
Is American Community Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35412). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Community Bank & Trust?
American Community Bank & Trust's primary federal regulator is the FDIC.
How many branches does American Community Bank & Trust operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Community Bank & Trust's Texas Ratio?
Its Texas Ratio is 6.07% 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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