American Community Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Community Bank & Trust of Woodstock, IL against its peer group of 931 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. | 1.33% | 1.46% | -0.13% | 55th above |
| ROAE | 12.93% | 12.72% | +0.21% | 54th above |
| Net Interest Margin | 3.87% | 3.85% | +0.02% | 61st above |
| Efficiency Ratio | 53.10% | 57.41% | -4.31% | 66th above |
| PPNR / Avg Assets | 2.03% | 1.88% | +0.15% | 70th above |
| Yield on Earning Assets | 5.48% | 5.72% | -0.24% | 47th below |
| Cost of Funds | 1.74% | 2.02% | -0.28% | 66th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 1.00% | +0.00% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.76% | -0.08% | 38th below |
| NCO / Avg Loans | -0.06% | 0.43% | -0.49% | 98th top |
| ACL / Total Loans | 1.33% | 1.31% | +0.02% | 74th above |
| ACL / NPLs (Coverage) | 133.73% | 543.54% | -409.81% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.07% | 7.39% | -1.32% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.61% | 11.44% | -0.83% | 53rd above |
| Equity / Assets | 10.24% | 11.34% | -1.10% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.24% | 10.50% | -0.26% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.73% | 86.96% | -8.23% | 73rd above |
| Core Deposit Ratio | 90.92% | 85.55% | +5.37% | 63rd above |
| Uninsured Deposit Ratio | 47.19% | 33.12% | +14.07% | 13th bottom |
| Wholesale Funding Ratio | 3.08% | 5.71% | -2.63% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.53% | 9.68% | +2.85% | 83rd top |
| Loan Growth (Y/Y) | 8.18% | 8.06% | +0.12% | 65th above |
| Deposit Growth (Y/Y) | 13.40% | 7.87% | +5.53% | 84th top |
See American Community Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Community Bank & Trust, 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 Community Bank & Trust profile, how to read a UBPR, or how this data updates.