Total Assets
$1.1B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$984M
Customer-funded liabilities
Net Loans
$754M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
10.06%
Efficiency Ratio
51.99%
What the numbers say about American Community Bank & Trust
American Community Bank & Trust is an FDIC-insured institution (Certificate #35412) headquartered in Woodstock, Illinois, established in 2000. It holds $1.1B in total assets - 927th of 4,313 FDIC-insured banks, $984M in customer deposits, and $754M in net loans. On safety, its Tier 1 capital ratio of 10.24% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, American Community Bank & Trust ranks 50th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is American Community Bank & Trust's health grade?▼
American Community Bank & Trust receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is American Community Bank & Trust?▼
American Community Bank & Trust holds $1.1B in total assets and $984M in deposits, ranking 927th of 4,313 FDIC-insured banks by asset size. It is headquartered in Woodstock, Illinois.
Is my money safe at American Community Bank & Trust?▼
Yes, deposits at American Community Bank & Trust (Certificate #35412) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Community Bank & Trust's Tier 1 Capital Ratio?▼
American Community Bank & Trust has a Tier 1 Capital Ratio of 10.24%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Community Bank & Trust?▼
American Community Bank & Trust has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Community Bank & Trust?▼
American Community Bank & Trust has an Efficiency Ratio of 51.99%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Community Bank & Trust's profile as a depositor or analyst.
- American Community Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Community Bank & Trust against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.