American Community Bank & Trust: how it compares with its peers
Against 55 IL banks with half to twice its assets, American Community Bank & Trust's strongest measure in Q2 2026 is assets per employee ($11.3M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (3.89% vs. 3.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 1.16% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.70% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.99% | 62.41% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $7.4M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.68% | 79.77% | Context |
What it means for lending operations
Its efficiency ratio of 50.99% is better than the 62.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Pontiac Pontiac, IL · $1.18B
- First Bankers Trust Company, National Association Quincy, IL · $1.22B
- The Federal Savings Bank Chicago, IL · $1.08B
- Belmont Bank & Trust Company Chicago, IL · $1.05B
- First Southern Bank Marion, IL · $1.04B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
Questions about American Community Bank & Trust
How big is American Community Bank & Trust?
American Community Bank & Trust, established in 2000, is headquartered in Woodstock, IL. It reported $1.18B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is American Community Bank & Trust's return on assets?
1.38% annualized in Q2 2026, against a 1.16% median for 55 IL banks with half to twice its assets, ahead of 67% of them.
What is American Community Bank & Trust's efficiency ratio?
50.99% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is American Community Bank & Trust growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 13.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.