Bank Comparison
Pibank, N.A. vs American Commercial Bank & Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| CET1 Ratio | 12.72% | 10.45% |
| Tier 1 Capital Ratio | 17.26% | 10.45% |
| Total Capital Ratio | 18.52% | 11.70% |
| Tier 1 Leverage Ratio | 9.84% | 9.10% |
| Equity / Assets | 8.63% | 8.93% |
Profitability
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | -0.47% | 1.24% |
| Return on Equity (ROE) | -5.38% | 13.90% |
| Net Interest Margin (NIM) | 1.81% | 3.95% |
| Yield on Earning Assets | 5.28% | 6.25% |
| Cost of Funds | 3.82% | 2.46% |
Asset quality
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Texas Ratio | 2.10% | 2.31% |
| Non-Performing Loan Ratio | 0.43% | 0.06% |
| Non-Performing Asset Ratio | 0.20% | 0.20% |
| Net Charge-Off Ratio | 0.10% | 0.00% |
| ACL / Loans | 1.50% | 1.47% |
Balance sheet
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Total Assets | $2,028M | $2,035M |
| Total Deposits | $1,808M | $1,827M |
| Total Loans | $932,907K | $1,728M |
| Total Equity | $175,184K | $181,821K |
| Net Income (quarter) | $-2,147 | $6,253K |
Liquidity & funding
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 51.59% | 94.57% |
| Core Deposit Ratio | 86.92% | 71.28% |
| Uninsured Deposit Ratio | 10.01% | 32.80% |
Identity
| Metric | Pibank, N.A. | American Commercial Bank & Trust, N.A. |
|---|---|---|
| Headquarters City | MIAMI | OTTAWA |
| Headquarters State | FL | IL |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 18283 | 1154 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 11 |
| Employees (FTE) | 137 | 161 |
| Established | July 2, 1984, midnight | June 1, 1865, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Pibank, N.A. profile | View full American Commercial Bank & Trust, N.A. profile | Browse all bank comparisons