American Commerce Bank, National Association
Bremen, GA · Cert 57686 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · American Com Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
$495.7MAssets
$410.3MLoans
$392.1MDeposits
$84.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 20).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 18 of 19).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.76%
Rank 6 of 20
Net Interest Margin
4.26%
Rank 9 of 20
Efficiency Ratio
47.39%
Rank 6 of 20
Equity / Assets
17.08%
Rank 2 of 20
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 75% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 1.08% | 1.42% | 1.85% | Beats 70% | 6 / 20 | |
| Return on Equity | 10.33% | 9.57% | 13.48% | 17.30% | Beats 40% | 12 / 20 | |
| Net Interest Margin | 4.26% | 3.38% | 3.99% | 4.50% | Beats 55% | 9 / 20 | |
| Efficiency Ratio | 47.39% | 47.39% | 61.42% | 73.60% | Beats 75% | 6 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.98% | 0.05% | 0.79% | 1.63% | Beats 11% | 18 / 19 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.03% | Beats 21% | 16 / 19 | |
| Capital |
| Tier 1 Capital Ratio | 20.90% | 13.64% | 16.79% | 19.57% | Beats 80% | 4 / 20 | |
| Total Risk-Based Capital Ratio | 22.16% | 14.77% | 17.61% | 20.82% | Beats 80% | 4 / 20 | |
| Equity / Assets | 17.08% | 9.66% | 10.94% | 13.62% | Beats 90% | 2 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 104.65% | 70.35% | 84.66% | 95.83% | 90th pctl | 2 / 20 | |
| Loans / Assets | 82.78% | 62.58% | 72.89% | 77.86% | 85th pctl | 3 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |