AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION

OTTAWA, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1865FDIC #3,719

Needs to Improve Down

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Strong

ROA 1.23%

Institution Profile

FDIC BankFind

Website

www.acbandt.com

Address

701 La Salle St, OTTAWA, IL

County

Lasalle County

Established

June 1, 1865

Total Assets

$2.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

January 2, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jan 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.7B

Net Income

$6M

ROA

1.23%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.90%

Risk-Based Capital

11.70%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.23%Peer avg: 0.90%▲ Above avg

Risk-Based Capital11.70%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate2.85%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.6B

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	246	81.3%	2.85%
2023	214	77.1%	3.74%
2022	287	85.71%	3.14%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2024	Needs to Improve	Intermediate Small Bank
Oct 2020	Satisfactory	Small Bank
Sep 2017	Satisfactory	Small Bank

6 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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