American Commercial Bank & Trust, National Association
Ottawa, IL · Cert 3719 · Peer group: banks $1B-$10B in assets (n=322-328) · First Ottawa Bancshares Inc.
National charter · OCC · 11 branches
Q2 2026
$2.1BAssets
$1.8BLoans
$1.8BDeposits
$188.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks $1B-$10B in assets (rank 71 of 328).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 325 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.32%
Rank 128 of 328
Net Interest Margin
3.91%
Rank 71 of 328
Efficiency Ratio
50.85%
Rank 73 of 328
Equity / Assets
9.13%
Rank 247 of 328
Non-interest income vs. expense
Unfavorable gap of $38.8M · efficiency ratio beats 78% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.91% | 1.22% | 1.52% | Beats 61% | 128 / 328 | |
| Return on Equity | 14.49% | 8.43% | 11.45% | 14.43% | Beats 76% | 79 / 328 | |
| Net Interest Margin | 3.91% | 3.03% | 3.45% | 3.83% | Beats 78% | 71 / 328 | |
| Efficiency Ratio | 50.85% | 51.61% | 59.56% | 67.53% | Beats 78% | 73 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.24% | 0.51% | 1.03% | Beats 69% | 100 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 71% | 95 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.34% | 11.75% | 13.15% | 15.47% | Beats 1% | 324 / 328 | |
| Total Risk-Based Capital Ratio | 9.34% | 12.63% | 14.15% | 16.46% | Beats 1% | 325 / 328 | |
| Equity / Assets | 9.13% | 9.15% | 10.33% | 12.01% | Beats 25% | 247 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.22% | 76.63% | 87.92% | 95.36% | 74th pctl | 82 / 323 | |
| Loans / Assets | 84.85% | 65.18% | 74.15% | 79.98% | 90th pctl | 32 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |