American Community Bank & Trust
Woodstock, IL · Cert 35412 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · American Cmty Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$1.2BAssets
$798.5MLoans
$1.0BDeposits
$120.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.37%
Rank 18 of 31
Net Interest Margin
3.74%
Rank 9 of 31
Efficiency Ratio
50.99%
Rank 17 of 31
Equity / Assets
10.24%
Rank 14 of 31
Non-interest income vs. expense
Unfavorable gap of $18.9M · efficiency ratio beats 48% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 1.15% | 1.39% | 1.64% | Beats 42% | 18 / 31 | | |
| Return on Equity | 13.35% | 11.05% | 13.35% | 16.66% | Beats 48% | 16 / 31 | | |
| Net Interest Margin | 3.74% | 3.00% | 3.28% | 3.75% | Beats 71% | 9 / 31 | | |
| Efficiency Ratio | 50.99% | 37.25% | 50.71% | 61.60% | Beats 48% | 17 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.18% | 0.41% | 1.00% | Beats 26% | 24 / 31 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 100% | 4 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 10.88% | 11.50% | 13.72% | Beats 6% | 29 / 31 | | |
| Total Risk-Based Capital Ratio | 10.61% | 11.53% | 12.02% | 14.77% | Beats 3% | 30 / 31 | | |
| Equity / Assets | 10.24% | 8.90% | 10.15% | 11.24% | Beats 55% | 14 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.73% | 80.56% | 87.67% | 94.53% | 16th pctl | 26 / 31 | | |
| Loans / Assets | 67.81% | 67.81% | 73.77% | 76.85% | 23rd pctl | 24 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |