American Commercial B&T NA
Ottawa, Illinois · FDIC Cert #3719
American Commercial B&T NA is an FDIC-insured bank (Certificate #3719) with $1.6B in total assets and $1.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Ottawa, Illinois, the bank maintains a Tier 1 capital ratio of 9.62% (Well-Capitalized) and a nonperforming loan ratio of 0.72%. BankHealthData assigns a composite Health Grade of C (62/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Commercial B&T NA (FDIC cert 3719) is a mid-sized bank with $1.6B in total assets and $1.4B in deposits, based in Ottawa, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 9.62% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.46% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. American Commercial B&T NA carries a composite BankHealth grade of C (62/100) 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 Commercial B&T NA
- Total Assets
- $1.6B
- Total Deposits
- $1.4B
- Tier 1 Capital Ratio
- 9.62%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.72%
- Liquidity Ratio
- 13.23%
- Return on Assets
- 1.46%
- Headquarters
- Ottawa, Illinois
- FDIC Certificate
- #3719
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Commercial B&T NA holds a Tier 1 capital ratio of 9.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Commercial B&T NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Commercial B&T NA shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Commercial B&T NA Compares
American Commercial B&T NA’s Health Score of 62 is 10 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 9.62% Tier 1 capital ratio is 4.4 points below the US banking industry average near 14%. The 0.72% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.46% is in line with or above the national ROA benchmark of ~1.1%. Among 744 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, American Commercial B&T NA is 8 points below the portfolio average of 70.
Frequently Asked Questions
American Commercial B&T NA has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.62%, 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 Commercial B&T NA's Tier 1 capital ratio of 9.62% and nonperforming loan ratio of 0.72% indicate an average 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 Commercial B&T NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3719). 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 Commercial B&T NA holds $1.6B in total assets and $1.4B in total deposits. It is headquartered in Ottawa, Illinois (FDIC Certificate #3719).
American Commercial B&T NA has a Tier 1 capital ratio of 9.62%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.72%, and the return on assets is 1.46%.
Yes. American Commercial B&T NA is FDIC-insured (Certificate #3719). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Commercial B&T NA's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.