FDIC Cert #35412 · Woodstock, Illinois · Est. 2000

American Community Bank & Trust - FDIC Bank Health Profile

A community-scale look at American Community Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
1.06%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

American Community Bank & Trust earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.24% Tier 1, profitable at 1.06% ROA, efficient (52% cost ratio).

#927
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
10.24%
Tier 1 ratio - above the 10% well-capitalized line
47th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35412 · IL A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1949/4307
  • PHOTO-FINISH American Bank & Trus… · KY
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: American Bank & Trust Company, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Community Bank & Trust

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank & Trus… · KY ·…80/100American Community B… · IL ·…80/100First Capital Bank · SC · ne…80/100Mission Bank · CA · near80/100Pinnacle Bank · TN · near80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Community Bank & Trust · July 2026

Call Report read for American Community Bank & Trust in a high-failure state

American Community Bank & Trust (FDIC Cert #35412) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,949 of 4,307. Tier 1 capital prints at 10.24%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $1.1B, 927th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Bank & Trust Company, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Community Bank & Trust

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

American Community Bank & Trust sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about American Community Bank & Trust's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How American Community Bank & Trust's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
American Community Bank & Trust's composite health score
Tier 1 Capital Ratio (10.24%) 28/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (51.99%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$984M

Customer-funded liabilities

Net Loans

$754M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.84% 10.24% 11.64%
Basel III capital ratios - American Community Bank & Trust

Where American Community Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Community Bank & Trust's score of 80/100 falls in the highlighted band.

American Community Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Community Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Community Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Community Bank & Trust's $1.1B falls in the highlighted band.

Capital & credit buffers at American Community Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

10.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.24%
Texas Ratio
0.00%
Equity Capital
$114M

What these ratios mean →

Earnings posture at American Community Bank & Trust

Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
10.06%
Efficiency Ratio
51.99%

What these mean →

Income & expense at American Community Bank & Trust

$57M
Interest Income
$6M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Community Bank & Trust reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Community Bank & Trust on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Illinois so the neighborhood is not state containment.

The Monticello Banking Company $1.1B · KY The Farmers Bank, Frankfort, Indiana $1.1B · IN First Capital Bank $1.1B · SC Anstaff Bank $1.1B · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Community Bank & Trust (FDIC Cert #35412) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Community Bank & Trust Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%