American Commerce Bank, National Association
Bremen, GA
IDRSSD: 3272956
Total Assets
$495.51M
Latest filing
Total Deposits
$398.06M
Latest filing
Net Interest Margin
4.42%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American Commerce Bank, National Association
400 Us Highway 27 Byp
Bremen, GA 30110
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/04/2004FDIC Certificate 419715
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Commerce Bank, National Association (Main) | 400 Us Highway 27 Byp | Bremen, GA |
| TALLAHASSEE BRANCH | 536 N Monroe St | Tallahassee, FL |
| JOHNS CREEK BRANCH | 10690 Medlock Bridge Rd | Johns Creek, GA |
| CARROLLTON BRANCH | 314 Newnan St | Carrollton, GA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/04/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30110 |
| State and County Number | 13143 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/04/2004 |
| Primary Insurance Agency | DIF |
| Website | www.americancommercebank.com |
| Data Updated | 11/14/2025 |
| CERT | 57686 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $495.51M |
| Total Deposits | $398.06M |
| Total Liabilities | $417.45M |
| Total Equity Capital | $78.05M |
| Net Income | $2.14M |
| Net Loans and Leases | $396.94M |
| Assets Per Employee ($Millions) | $10.11M |
| Bank Premises and Fixed Assets | $4.78M |
| Cash and Balances due from Depository Institutions | $84.96M |
| Deposits Held in Domestic Offices | $398.06M |
Key Performance Ratios
| Return on Assets (ROA) | 1.72% |
| Return on Equity (ROE) | 11.11% |
| Net Interest Margin | 4.42% |
| Efficiency Ratio | 48.6% |
| Tier 1 Risk-Based Capital Ratio | 19.561% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.752% |
| Earning Assets to total Assets | 96.82% |
Income and Expense
| Total Interest Income | $8.56M |
| Total Noninterest Income | $203.00k |
| Total Interest Expense | $3.24M |
| Total Noninterest Expense | $2.69M |
| Net Interest Income | $5.32M |
| Pre-tax Net Operating Income | $2.84M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $561.00k |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.39M |
| Total Liabilities and Capital | $495.51M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Commerce Bank, National Association?
$495.51M as of the latest filing.
How much are American Commerce Bank, National Association's total deposits?
$398.06M in total deposits.
Where is American Commerce Bank, National Association located?
Bremen, GA.
What is the Net Interest Margin?
4.42%.
How many domestic offices does it operate?
4.
When was it established?
10/04/2004.
What is the Return on Assets (ROA)?
1.72%.
How much are total loans and leases?
$396.94M (latest filing).
What is the total interest income (latest filing)?
$8.56M.