American Community Bank & Trust: 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: 2498.27 percentage points lower than in Q1 2026, at 133.73%. Within Illinois, American Community Bank & Trust is 128th of 323 on return on assets, 1.33% 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 Community Bank & Trust sits 0.06 points higher, at 1.33% (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 | 10.61% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 6.07% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 133.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 12.93% |
| Net interest margin | 3.87% |
| Efficiency ratio | 53.10% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.73% |
| Core deposits to total deposits | 90.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.13% |
| Securities to assets | 19.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.12% | 0.88% | 2.63% | 0.00% | 0.00% |
| Q4 2023 | 10.01% | 0.90% | 2.61% | 0.00% | -0.00% |
| Q1 2024 | 9.99% | 1.17% | 2.72% | 0.00% | 0.00% |
| Q2 2024 | 10.28% | 1.02% | 2.92% | 0.22% | 0.66% |
| Q3 2024 | 10.18% | 1.16% | 3.20% | 0.19% | 0.14% |
| Q4 2024 | 10.11% | 1.04% | 3.34% | 0.18% | 0.00% |
| Q1 2025 | 11.04% | 1.22% | 3.49% | 0.18% | 0.08% |
| Q2 2025 | 11.09% | 0.18% | 3.66% | 0.28% | 2.04% |
| Q3 2025 | 10.73% | 1.38% | 3.85% | 0.17% | 0.15% |
| Q4 2025 | 10.24% | 1.37% | 3.89% | 0.00% | 0.60% |
| Q1 2026 | 10.43% | 1.46% | 3.87% | 0.05% | -0.12% |
| Q2 2026 | 10.61% | 1.33% | 3.87% | 1.00% | -0.06% |
American Community Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank & Trust, 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 Community Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35412) · FFIEC NIC profile (RSSD 2869162)