American Commerce Bank NA
Bremen, Georgia · FDIC Cert #57686
American Commerce Bank NA is an FDIC-insured bank (Certificate #57686) with $483M in total assets and $395M in total deposits as of the Q2 2024 Call Report. 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). 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
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 9 points below the Georgia state average of 76 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 1463 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, American Commerce Bank NA is 3 points below the portfolio average of 70.
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 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.