Side-by-side · Q2 2026 data
American Commercial Bank & Trust, National Association vs North Central Bank
Bank
American Commercial Bank & Trust, National Association
Ottawa, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | American Commercial Bank & Trust, National Association | North Central Bank |
|---|---|---|
| TellerScore | 66 | 82 (stronger) |
| Capital cushion | 43 | 73 (stronger) |
| Loan quality | 90 | 91 (stronger) |
| Earnings | 74 (stronger) | 73 |
| Funding & liquidity | 45 | 86 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 40th | 82nd |
| Total assets | $2.1B | $165.9M |
| Deposits / shares | $1.8B | $144.7M |
| Capital ratio | 9.34% | 12.26% (stronger) |
| Problem loans | 0.29% | 0.26% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.34% (stronger) | 1.33% |
| Loans ÷ deposits | 93.8% | 58.5% (stronger) |
| Uninsured deposits | 34.3% | 27.6% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | — |
North Central Bank has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), American Commercial Bank & Trust, National Association leads on 1 and North Central Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.