TellerScore

American Commerce Bank, National Association (FDIC certificate #57686) is based in Bremen, Georgia. Its Q2 2026 call report shows $495.7M in total assets and $392.1M in deposits and 4 offices across 2 states.

Based on its Q2 2026 filing, American Commerce Bank, National Association scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 108th. Its strongest component is capital cushion (100/100; 17.09%), and its lowest is loan quality (1/100; 2.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.09%
Loan quality1/100
Noncurrent loans ÷ total loans: 2.98%
Earnings91/100
Return on assets (annualized): 1.79%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 102.4% · 21.4% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (66 → 63), mostly because the loan quality component weakened by 14 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202454
Q1 202556
Q2 202566
Q3 202563
Q4 202563
Q1 202665
Q2 202663
Tier 1 leverage ratio
5.00%11.08%17.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.09%
Q3 202414.19%
Q4 202413.69%
Q1 202514.12%
Q2 202514.97%
Q3 202515.59%
Q4 202516.38%
Q1 202617.16%
Q2 202617.09%
Noncurrent loans
2.25%3.04%3.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.25%
Q3 20242.40%
Q4 20243.82%
Q1 20253.75%
Q2 20252.55%
Q3 20253.01%
Q4 20252.90%
Q1 20262.78%
Q2 20262.98%
Return on assets
1.21%1.51%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.25%
Q4 20241.21%
Q1 20251.35%
Q2 20251.57%
Q3 20251.62%
Q4 20251.67%
Q1 20261.80%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$495.7M17.09%2.98%1.79%102.4%
Q1 202665$487.6M17.16%2.78%1.80%106.5%
Q4 202563$485.0M16.38%2.90%1.67%105.3%
Q3 202563$495.5M15.59%3.01%1.62%99.7%
Q2 202566$500.4M14.97%2.55%1.57%103.4%
Q1 202556$511.5M14.12%3.75%1.35%103.7%
Q4 202454$536.3M13.69%3.82%1.21%99.2%
Q3 202462$514.9M14.19%2.40%1.25%103.7%
Q2 202463$482.8M14.09%2.25%1.29%105.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.09%
93rd
Total risk-based capital22.16%
90th
Problem loans2.98%
6th
Net charge-offs0.09%
22nd
Return on assets1.79%
80th
Net interest margin4.46%
78th
Efficiency ratio47.4%
88th
Loans to deposits102.4%
8th
Uninsured deposits21.4%
60th
Loan-loss reserves2.18%
95th
Texas ratio13.3%
12th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Century Bank and TrustBank Milledgeville, GA87 out of 100, Very strong$490.7M11.8%0.07%vs
Planters First BankBank Cordele, GA68 out of 100, Moderate$485.7M10.7%1.41%vs
Citizens Bank of AmericusBank Americus, GA77 out of 100, Strong$511.1M10.3%0.09%vs
First State BankBank Wrens, GA77 out of 100, Strong$512.7M10.5%0.32%vs
The Commercial BankBank Crawford, GA79 out of 100, Strong$463.7M10.7%0.17%vs
Bank of DudleyBank Dudley, GA69 out of 100, Moderate$537.9M9.6%0.12%vs

Deposit insurance

Is my money safe at American Commerce Bank, National Association?

Yes. American Commerce Bank, National Association is an FDIC-insured institution (FDIC certificate #57686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.4% of deposits ($83.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.16% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

American Commerce Bank, National Association lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
American Commerce Bank, National Association
Former names
Peoples Community National Bank
Type
National bank
FDIC certificate #
57686
RSSD ID
3272956
Primary regulator
OCC
Holding company
American Com Bancshares Inc
Established
October 4, 2004
Headquarters
400 Us Highway 27 Byp, Bremen, GA 30110
Employees
50

Quick answers

American Commerce Bank, National Association: common questions

Is American Commerce Bank, National Association FDIC insured?

Yes. American Commerce Bank, National Association is an FDIC-insured institution (FDIC certificate #57686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Commerce Bank, National Association's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Commerce Bank, National Association ever failed?

There is no failure record for FDIC certificate #57686 in the FDIC failed bank list.

How many branches does American Commerce Bank, National Association have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bremen

InstitutionScoreAssetsCapitalProblem loansCompare
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Associated Credit UnionCredit union Norcross, GA77 out of 100, Strong$2.5B13.0%0.30%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs