American Community B&T
Woodstock, Illinois · FDIC Cert #35412
American Community B&T is an FDIC-insured bank (Certificate #35412) with $1.1B in total assets and $852M in total deposits as of the Q2 2024 Call Report. Headquartered in Woodstock, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.24%. 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 Community B&T (FDIC cert 35412) is a mid-sized bank with $1.1B in total assets and $852M in deposits, based in Woodstock, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.24% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 34.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.50% 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 essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. American Community B&T 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 Community B&T
- Total Assets
- $1.1B
- Total Deposits
- $852M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.24%
- Liquidity Ratio
- 34.48%
- Return on Assets
- 1.50%
- Headquarters
- Woodstock, Illinois
- FDIC Certificate
- #35412
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Community B&T holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject American Community B&T to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
American Community B&T 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 Community B&T Compares
American Community B&T’s Health Score of 62 is 10 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.24% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.50% is in line with or above the national ROA benchmark of ~1.1%. Among 998 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, American Community B&T is 8 points below the portfolio average of 70.
Frequently Asked Questions
American Community B&T has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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 Community B&T's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.24% 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 Community B&T is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35412). 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 Community B&T holds $1.1B in total assets and $852M in total deposits. It is headquartered in Woodstock, Illinois (FDIC Certificate #35412).
American Community B&T has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.24%, and the return on assets is 1.50%.
Yes. American Community B&T is FDIC-insured (Certificate #35412). 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 Community B&T'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.