Bank call report · Woodstock, IL
American Community Bank & Trust Call Report
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American Community Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 268 reported line items, schedule by schedule (446 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 | 2869162 |
| FDIC certificate number | 35412 |
| Total assets | $1.18B |
Official Q2 2026 call report PDF (FFIEC) →
American Community Bank & Trust 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 (22 items)
About Schedule RC · American Community Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.18B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.18B |
| Total Liabilities and Minority Interest | RCON2948 | $1.06B |
| Total Deposits | RCON2200 | $1.01B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $798.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $787.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $722.8M |
| Deposits: Noninterest-bearing | RCON6631 | $291.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $226.2M |
| Total Equity Capital | RCON3210 | $120.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $120.5M |
| Interest-bearing Balances | RCON0071 | $108.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $78.7M |
| Surplus | RCON3839 | $42.9M |
| Other Borrowed Money | RCON3190 | $36.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $19.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $18.4M |
| Other Assets | RCON2160 | $17.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $10.7M |
| Other Liabilities, Total | RCON2930 | $6.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.0M |
| Common Stock | RCON3230 | $955K |
Schedule RI: Income Statement (39 items)
About Schedule RI · American Community Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $30.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $24.6M |
| Net Interest Income | RIAD4074 | $21.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $13.5M |
| Total Noninterest Expense | RIAD4093 | $12.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $10.9M |
| 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 | $10.9M |
| Total Interest Expense | RIAD4073 | $8.9M |
| Salaries and Employee Benefits | RIAD4135 | $8.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $8.0M |
| Net Income (Loss) | RIAD4340 | $8.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $8.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $8.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $3.6M |
| Other Noninterest Expense | RIAD4092 | $3.3M |
| Total Noninterest Income | RIAD4079 | $3.3M |
| Applicable Income Taxes | RIAD4302 | $2.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.4M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.4M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.3M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $782K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $728K |
| Other Interest Expense | RIADGW44 | $664K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $441K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $316K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $314K |
| Interest on Other Securities | RIAD4060 | $207K |
| Other Interest Income | RIAD4518 | $78K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $22K |
| 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 | $19K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $12K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 104 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · American Community Bank & Trust 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 | $8.1M |
| 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 | $7.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $5.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $5.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $229.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $188.7M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $188.1M |
| 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 | $101.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $92.8M |
| 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 | $66.5M |
| 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 Three Months of Less | RCONA549 | $29.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $13.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $13.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $12.1M |
| 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 | $11.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $5.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $5.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $3.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $3.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $3.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.2M |
| 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 | $867K |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $783K |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $779K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · American Community Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $798.5M |
| Pledged Loans and Leases | RCONG378 | $314.7M |
| 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 | $267.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $246.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $243.5M |
| Commercial and Industrial Loans | RCON1766 | $242.9M |
| 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 | $211.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $147.3M |
| 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 Over One Year Through Three Years | RCONA572 | $147.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $74.9M |
| 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 Months Through 12 Months | RCONA571 | $73.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $37.2M |
| 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 | $30.1M |
| 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 | $19.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $16.7M |
| 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 | $16.1M |
| 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 | $11.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $11.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $11.0M |
| 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 | $7.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.4M |
| 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 Five Years Through 15 Years | RCONA568 | $5.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $5.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.2M |
| 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 | $2.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $885K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $786K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $347K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $209K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $11K |
| Other Loans | RCONJ464 | $9K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 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 | $98.1M |
| 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 | $62.3M |
| 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 | $13.1M |
| 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 | $11.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.3M |
| 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 | $165K |
| 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 | $57K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 205 |
| 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 | 183 |
| 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 | 117 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 111 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 77 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 30 |
| 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 | 2 |
| 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 | 1 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · American Community Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $595.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $573.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $418.5M |
| Total Transaction Accounts | RCON2215 | $418.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $401.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $392.2M |
| Total reciprocal deposits | RCONJH83 | $109.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $92.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $81.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $77.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $62.9M |
| 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 | $60.9M |
| 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 | $52.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $50.6M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $50.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $29.1M |
| 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 | $24.7M |
| 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 | $20.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $19.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $19.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $14.0M |
| 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 | $12.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.8M |
| 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 | $6.2M |
| 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 Years | RCONHK15 | $4.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.2M |
| 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 | $2.2M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.0M |
| Accrued Interest Receivable | RCONB556 | $3.5M |
| Other Assets | RCON2168 | $2.7M |
| Net Deferred Tax Assets | RCON2148 | $2.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.8M |
| Prepaid Expenses | RCON2166 | $1.2M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $2.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.7M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.6M |
| All Other Liabilities | RCON2938 | $1.1M |
| Deferred Compensation Liabilities | RCONC011 | $550K |
| Operating lease liabilities | RCONLB56 | $306K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · American Community Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.16B |
| Quarterly Average of Total Loans | RCON3360 | $782.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $446.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $419.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $235.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $211.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $121.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $93.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $92.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $90.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $89.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $36.2M |
| Mortgage-backed Securities | RCONB559 | $31.5M |
| All Other Securities | RCONB560 | $11.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $577K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · American Community Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $166.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $28.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $19.2M |
| Performance Standby Letters of Credit | RCON3821 | $5.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $3.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $942K |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $155K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · American Community Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $8.7M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $7.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $2.6M |
| 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 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (7 items)
About Schedule RC-N · American Community Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $8.0M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $8.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $4.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $3.3M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $375K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $66K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $66K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · American Community Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.16B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.02B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $613.8M |
| 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 | $478.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $393.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $121.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $8.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $871K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,147 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 726 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 289 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · American Community Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.18B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.16B |
| Average total consolidated assets | RCOAKW03 | $1.16B |
| 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 | $150.4M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $143.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $122.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $122.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $122.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $120.5M |
| Retained Earnings | RCOAKW00 | $78.7M |
| Unconditionally Cancellable Commitments | RCOAS540 | $75.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $43.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $6.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.0M |
| 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 | -$2.0M |
| 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 | 0.1277 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1061 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $120.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $113.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $113.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.0M |
| Other Comprehensive Income | RIADB511 | -$621K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $255K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · American Community Bank & Trust charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · American Community Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $10.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $8.9M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$43K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $798.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $394.4M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $253.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $126.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $23.1M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $10.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.9M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $4.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $567K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $415K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $238K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $2K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $255K |
Schedule SU: Supplemental Information (1 item)
| 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 | $35.8M |
American Community Bank & Trust 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 Community Bank & Trust call report?
The American Community Bank & Trust 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 Community Bank & Trust file?
American Community Bank & Trust 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 Community Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: American Community Bank & Trust has Federal Reserve RSSD ID 2869162 and FDIC certificate number 35412. Either one finds its filings on the FFIEC Central Data Repository.
How often does American Community Bank & Trust 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 Community Bank & Trust 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 35412) · FFIEC NIC profile (RSSD 2869162)