TellerScore

Headquartered in Woodstock, Illinois, American Community Bank & Trust is a state-chartered bank with $1.2B in total assets and $1.0B in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 2000.

American Community Bank & Trust has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 225th. Problem-loan coverage contributes the most (88/100, 6.1%); funding & liquidity contributes the least (47/100, 78% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.61%
Loan quality67/100
Noncurrent loans ÷ total loans: 1.00%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 77.7% · 47.2% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.07%

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 (67 → 64), mostly because the earnings component improved by 27 points.

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202469
Q1 202573
Q2 202567
Q3 202569
Q4 202570
Q1 202673
Q2 202664
Tier 1 leverage ratio
5.00%8.05%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.28%
Q3 202410.18%
Q4 202410.11%
Q1 202511.04%
Q2 202511.09%
Q3 202510.73%
Q4 202510.24%
Q1 202610.43%
Q2 202610.61%
Noncurrent loans
0.00%0.50%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.19%
Q4 20240.18%
Q1 20250.18%
Q2 20250.28%
Q3 20250.17%
Q4 20250.00%
Q1 20260.05%
Q2 20261.00%
Return on assets
0.71%1.08%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.15%
Q4 20241.15%
Q1 20251.26%
Q2 20250.71%
Q3 20250.94%
Q4 20251.06%
Q1 20261.45%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.2B10.61%1.00%1.38%77.7%
Q1 202673$1.2B10.43%0.05%1.45%76.4%
Q4 202570$1.1B10.24%0.00%1.06%76.7%
Q3 202569$1.1B10.73%0.17%0.94%77.8%
Q2 202567$1.0B11.09%0.28%0.71%81.5%
Q1 202573$1.0B11.04%0.18%1.26%75.5%
Q4 202469$969.8M10.11%0.18%1.15%81.2%
Q3 202470$1.1B10.18%0.19%1.15%73.4%
Q2 202470$1.1B10.28%0.24%1.15%76.2%

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 ratio10.61%
52nd
Total risk-based capital0.00%
13th
Problem loans1.00%
27th
Net charge-offs-0.09%
99th
Return on assets1.38%
61st
Net interest margin3.89%
62nd
Efficiency ratio51.0%
74th
Loans to deposits77.7%
72nd
Uninsured deposits47.2%
13th
Loan-loss reserves1.33%
74th
Texas ratio6.1%
31st

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of PontiacBank Pontiac, IL72 out of 100, Strong$1.2B10.4%0.27%vs
First Bankers Trust Company, National AssociationBank Quincy, IL57 out of 100, Moderate$1.2B10.0%1.28%vs
The Federal Savings BankBank Chicago, IL51 out of 100, Below average$1.1B15.9%2.69%vs
Belmont Bank & Trust CompanyBank Chicago, IL75 out of 100, Strong$1.1B11.9%0.41%vs
First Southern BankBank Marion, IL49 out of 100, Below average$1.0B10.9%3.00%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs

Deposit insurance

Is my money safe at American Community Bank & Trust?

Yes. American Community Bank & Trust is an FDIC-insured institution (FDIC certificate #35412). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.2% of deposits ($478.7M) 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 10.61%, well 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

5 locations

Branches

American Community Bank & Trust lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Community Bank & Trust reported 60 home-loan applications under HMDA (LEI 549300228GG3C6SV3C98): 55 originated ($31,845,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, 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 Community Bank & Trust
Former names
American Community Bank
Type
State-chartered bank
FDIC certificate #
35412
RSSD ID
2869162
Primary regulator
FDIC
Holding company
American Cmty Financial Inc
Established
March 13, 2000
Headquarters
1290 Lake Ave, Woodstock, IL 60098
Employees
104

Quick answers

American Community Bank & Trust: common questions

Is American Community Bank & Trust FDIC insured?

Yes. American Community Bank & Trust is an FDIC-insured institution (FDIC certificate #35412). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Community Bank & Trust's TellerScore?

64 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 Community Bank & Trust ever failed?

There is no failure record for FDIC certificate #35412 in the FDIC failed bank list.

How many branches does American Community Bank & Trust have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Woodstock

InstitutionScoreAssetsCapitalProblem loansCompare
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Heritage Bank of SchaumburgBank Schaumburg, IL83 out of 100, Strong$150.0M10.9%0.00%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Home State Bank, National AssociationBank Crystal Lake, IL82 out of 100, Strong$776.0M11.8%0.07%vs
Community Trust Credit UnionCredit union Gurnee, IL82 out of 100, Strong$336.4M11.9%0.08%vs
Partnership Financial Credit UnionCredit union Morton Grove, IL81 out of 100, Strong$402.9M12.3%0.57%vs