TellerScore

Headquartered in Ottawa, Illinois, American Commercial Bank & Trust, National Association is a national bank with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1865.

Based on its Q2 2026 filing, American Commercial Bank & Trust, National Association scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 212th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is capital cushion (43/100; 9.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.34%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 93.8% · 34.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.29%

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 rose 2 points (64 → 66), mostly because the loan quality component improved by 9 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202464
Q1 202563
Q2 202564
Q3 202565
Q4 202566
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.90%
Q3 20248.81%
Q4 20249.06%
Q1 20259.13%
Q2 20259.12%
Q3 20259.04%
Q4 20259.08%
Q1 20269.10%
Q2 20269.34%
Noncurrent loans
0.10%0.41%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.57%
Q4 20240.55%
Q1 20250.65%
Q2 20250.57%
Q3 20250.54%
Q4 20250.38%
Q1 20260.10%
Q2 20260.29%
Return on assets
1.07%1.26%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.22%
Q4 20241.30%
Q1 20251.34%
Q2 20251.35%
Q3 20251.46%
Q4 20251.46%
Q1 20261.23%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$2.1B9.34%0.29%1.34%93.8%
Q1 202667$2.0B9.10%0.10%1.23%93.2%
Q4 202566$2.0B9.08%0.38%1.46%98.2%
Q3 202565$1.9B9.04%0.54%1.46%90.2%
Q2 202564$1.8B9.12%0.57%1.35%93.3%
Q1 202563$1.8B9.13%0.65%1.34%93.8%
Q4 202464$1.7B9.06%0.55%1.30%94.2%
Q3 202463$1.7B8.81%0.57%1.22%92.9%
Q2 202461$1.6B8.90%0.72%1.07%92.9%

897 peers · $1 billion – $10 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 ratio9.34%
20th
Total risk-based capital0.00%
13th
Problem loans0.29%
68th
Net charge-offs0.02%
60th
Return on assets1.34%
58th
Net interest margin4.10%
74th
Efficiency ratio50.9%
75th
Loans to deposits93.8%
29th
Uninsured deposits34.3%
40th
Loan-loss reserves1.49%
86th
Texas ratio3.3%
53rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples National Bank , N.A.Bank Mount Vernon, IL62 out of 100, Moderate$2.1B9.3%0.84%vs
Marquette BankBank Chicago, IL66 out of 100, Moderate$2.1B8.4%0.10%vs
Blackhawk Bank & TrustBank Milan, IL76 out of 100, Strong$2.0B10.5%0.09%vs
Bank of SpringfieldBank Springfield, IL55 out of 100, Moderate$2.0B9.2%1.43%vs
First Bank ChicagoBank Highland Park, IL52 out of 100, Below average$2.2B9.1%1.09%vs
Crystal Lake Bank and Trust Company, National AssociationBank Crystal Lake, IL70 out of 100, Strong$2.3B9.7%0.34%vs

Deposit insurance

Is my money safe at American Commercial Bank & Trust, National Association?

Yes. American Commercial Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #3719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.3% of deposits ($632.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

American Commercial Bank & Trust, National Association lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Commercial Bank & Trust, National Association reported 245 home-loan applications under HMDA (LEI 549300DL7AWRPX6NXO12): 209 originated ($72,725,000 total), 6 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Commercial Bank & Trust, National Association
Former names
The First National Bank of Ottawa
Type
National bank
FDIC certificate #
3719
RSSD ID
856243
Primary regulator
OCC
Holding company
First Ottawa Bancshares Inc
Established
June 1, 1865
Headquarters
701 La Salle St, Ottawa, IL 61350
Employees
166

Quick answers

American Commercial Bank & Trust, National Association: common questions

Is American Commercial Bank & Trust, National Association FDIC insured?

Yes. American Commercial Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #3719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Commercial Bank & Trust, National Association's TellerScore?

66 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 Commercial Bank & Trust, National Association ever failed?

There is no failure record for FDIC certificate #3719 in the FDIC failed bank list.

How many branches does American Commercial Bank & Trust, National Association have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ottawa

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
Financial Plus Credit UnionCredit union Ottawa, IL84 out of 100, Strong$607.4M13.2%0.45%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs