Side-by-side · Q2 2026 data
American Commercial Bank & Trust, National Association vs Spring Valley City Bank
Bank
American Commercial Bank & Trust, National Association
Ottawa, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | American Commercial Bank & Trust, National Association | Spring Valley City Bank |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 43 | 89 (stronger) |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 74 (stronger) | 54 |
| Funding & liquidity | 45 | 89 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $2.1B | $207.0M |
| Deposits / shares | $1.8B | $179.1M |
| Capital ratio | 9.34% | 13.86% (stronger) |
| Problem loans | 0.29% | 0.18% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.34% (stronger) | 0.84% |
| Loans ÷ deposits | 93.8% | 69.1% (stronger) |
| Uninsured deposits | 34.3% | 17.3% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | — |
Spring Valley City Bank has the higher TellerScore (84 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 Spring Valley City 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.