American Commercial Bank & Trust, National Association: how it compares with its peers
Against 35 IL banks with half to twice its assets, American Commercial Bank & Trust, National Association's strongest measure in Q2 2026 is net interest margin (4.10% vs. a 3.53% peer median). Its weakest relative measure is return on assets (1.34% vs. 1.32%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.32% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 3.53% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.85% | 52.84% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.5M | $8.7M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.80% | 83.83% | Context |
What it means for lending operations
Its efficiency ratio of 50.85% is better than the 52.84% 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
- Peoples National Bank , N.A. Mount Vernon, IL · $2.08B
- Marquette Bank Chicago, IL · $2.09B
- Blackhawk Bank & Trust Milan, IL · $2.04B
- Bank of Springfield Springfield, IL · $2.00B
- First Bank Chicago Highland Park, IL · $2.23B
Questions about American Commercial Bank & Trust, National Association
How big is American Commercial Bank & Trust, National Association?
American Commercial Bank & Trust, National Association, established in 1865, is headquartered in Ottawa, IL. It reported $2.07B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is American Commercial Bank & Trust, National Association's return on assets?
1.34% annualized in Q2 2026, against a 1.32% median for 35 IL banks with half to twice its assets, ahead of 51% of them.
What is American Commercial Bank & Trust, National Association's efficiency ratio?
50.85% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 52.84%, and lower is better.
Is American Commercial Bank & Trust, National Association growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits grew 12.4%.
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.