American Community Bank & Trust
Woodstock, IL
IDRSSD: 2869162
Total Assets
$1.14B
Latest filing
Total Deposits
$983.64M
Latest filing
Net Interest Margin
3.97%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Community Bank & Trust
1290 Lake Ave
Woodstock, IL 60098
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/13/2000FDIC Certificate 79520
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Community Bank & Trust (Main) | 1290 Lake Ave | Woodstock, IL |
| MCHENRY BRANCH | 1500 S State Route 31 | Mchenry, IL |
| CRYSTAL LAKE BRANCH | 381 S Main St | Crystal Lake, IL |
| HUNTLEY BRANCH | 10101 Route 47 | Huntley, IL |
| ARLINGTON HEIGHTS LPO BRANCH | 85 W Algonquin Rd | Arlington Heights, IL |
Showing 4 of 4
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/13/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60098 |
| State and County Number | 17111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 99 |
| Domestic Offices | 5 |
| 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 | 03/13/2000 |
| Primary Insurance Agency | DIF |
| Website | http://www.amcombank.com |
| Data Updated | 01/30/2026 |
| CERT | 35412 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.14B |
| Total Deposits | $983.64M |
| Total Liabilities | $1.03B |
| Total Equity Capital | $113.86M |
| Net Income | $3.86M |
| Net Loans and Leases | $754.07M |
| Assets Per Employee ($Millions) | $11.52M |
| Bank Premises and Fixed Assets | $20.07M |
| Cash and Balances due from Depository Institutions | $100.34M |
| Deposits Held in Domestic Offices | $983.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 13.59% |
| Net Interest Margin | 3.97% |
| Efficiency Ratio | 51.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.983% |
| Earning Assets to total Assets | 96.26% |
Income and Expense
| Total Interest Income | $15.28M |
| Total Noninterest Income | $1.57M |
| Total Interest Expense | $4.63M |
| Total Noninterest Expense | $6.33M |
| Net Interest Income | $10.64M |
| Pre-tax Net Operating Income | $5.21M |
| Provision for Credit Losses | $674.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $36.23M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.87M |
| Total Liabilities and Capital | $1.14B |
Securities
| Securities | $251.70M |
| Available-for-sale debt securities | $251.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Community Bank & Trust?
$1.14B as of the latest filing.
How much are American Community Bank & Trust's total deposits?
$983.64M in total deposits.
Where is American Community Bank & Trust located?
Woodstock, IL.
What is the Net Interest Margin?
3.97%.
How many domestic offices does it operate?
5.
When was it established?
03/13/2000.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$754.07M (latest filing).
What is the total interest income (latest filing)?
$15.28M.