American Commercial Bank & Trust, National Association
Ottawa, IL
IDRSSD: 856243
Total Assets
$2.03B
Latest filing
Total Deposits
$1.75B
Latest filing
Net Interest Margin
4.08%
Profitability
Key People
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Locations
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Main Office
American Commercial Bank & Trust, National Association
701 La Salle St
Ottawa, IL 61350
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1865FDIC Certificate 2385
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| American Commercial Bank & Trust, National Association (Main) | 701 La Salle St | Ottawa, IL |
| PLAZA FACILITY | 300 West Madison Street | Ottawa, IL |
| SOUTH BRANCH | 601 State St | Ottawa, IL |
| NORTHFIELD BRANCH | 2771 Columbus St | Ottawa, IL |
| NORTH FACILITY | 2324 N Bloomington St | Streator, IL |
| STREATOR BANKING CENTER FACILITY | 409 E Bridge St | Streator, IL |
| MORRIS NATIONAL BANK & TRUST | 1771 N Division St | Morris, IL |
| YORKVILLE NATIONAL BANK & TRUST | 1459 Cannonball Trl | Yorkville, IL |
Showing 7 of 10
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 | 06/01/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61350 |
| State and County Number | 17099 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ottawa, IL |
Operational Info
| Number of Employees | 155 |
| Domestic Offices | 11 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.acbandt.com |
| Data Updated | 01/30/2026 |
| CERT | 3719 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.03B |
| Total Deposits | $1.75B |
| Total Liabilities | $1.86B |
| Total Equity Capital | $178.08M |
| Net Income | $7.25M |
| Net Loans and Leases | $1.72B |
| Assets Per Employee ($Millions) | $12.96M |
| Bank Premises and Fixed Assets | $12.89M |
| Cash and Balances due from Depository Institutions | $34.24M |
| Deposits Held in Domestic Offices | $1.75B |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 16.63% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 46.97% |
| Tier 1 Risk-Based Capital Ratio | 9.994% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.755% |
| Earning Assets to total Assets | 95.51% |
Income and Expense
| Total Interest Income | $31.02M |
| Total Noninterest Income | $2.29M |
| Total Interest Expense | $11.64M |
| Total Noninterest Expense | $10.18M |
| Net Interest Income | $19.38M |
| Pre-tax Net Operating Income | $10.02M |
| Provision for Credit Losses | $1.47M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $657.00k |
| Other borrowed funds | $92.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.90M |
| Total Liabilities and Capital | $2.03B |
Securities
| Securities | $189.33M |
| Available-for-sale debt securities | $178.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $10.38M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Commercial Bank & Trust, National Association?
$2.03B as of the latest filing.
How much are American Commercial Bank & Trust, National Association's total deposits?
$1.75B in total deposits.
Where is American Commercial Bank & Trust, National Association located?
Ottawa, IL.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
11.
When was it established?
06/01/1865.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$1.72B (latest filing).
What is the total interest income (latest filing)?
$31.02M.