American Commerce Bank NA
Bremen, Georgia · FDIC Cert #57686
This is the FDIC profile for American Commerce Bank NA, an FDIC-insured bank (Certificate #57686) with $483M in total assets and $395M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bremen, Georgia, the bank maintains a Tier 1 capital ratio of 16.58% (Well-Capitalized) and a nonperforming loan ratio of 2.25%. BankHealthData assigns a composite Health Grade of B (67/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Commerce Bank NA (FDIC cert 57686) is a community bank — $483M in total assets, $395M in deposits, serving the Bremen, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.58% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.25% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 11.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.72% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. American Commerce Bank NA carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Commerce Bank NA
- Total Assets
- $483M
- Total Deposits
- $395M
- Tier 1 Capital Ratio
- 16.58%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.25%
- Liquidity Ratio
- 11.61%
- Return on Assets
- 1.72%
- Headquarters
- Bremen, Georgia
- FDIC Certificate
- #57686
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
American Commerce Bank NA files quarterly Call Reports with the FDIC under Certificate #57686. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, American Commerce Bank NA holds a Tier 1 capital ratio of 16.58%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Commerce Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Commerce Bank NA shows strong financial health indicators. With $483M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Commerce Bank NA Compares
American Commerce Bank NA’s Health Score of 67 is 16 points below the Georgia state average of 83 across 123 FDIC-insured banks. Its 16.58% Tier 1 capital ratio is 2.6 points above the US banking industry average near 14%. The 2.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.72% is in line with or above the national ROA benchmark of ~1.1%. Among 1464 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, American Commerce Bank NA is 13 points below the portfolio average of 80.
Frequently Asked Questions
American Commerce Bank NA has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.58%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Commerce Bank NA's Tier 1 capital ratio of 16.58% and nonperforming loan ratio of 2.25% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Commerce Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57686). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Commerce Bank NA holds $483M in total assets and $395M in total deposits. It is headquartered in Bremen, Georgia (FDIC Certificate #57686).
American Commerce Bank NA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57686 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
American Commerce Bank NA has a Tier 1 capital ratio of 16.58%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.25%, and the return on assets is 1.72%.
Yes. American Commerce Bank NA is FDIC-insured (Certificate #57686). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Commerce Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.