American Commerce Bank, National Association
For information concerning Monesty, a division of American Commerce Bank of Georgia online bank, please click here .
Phone: 7705372265
ACH Number: 061120453
American Commerce Bank, National Association is an FDIC insured institution headquartered at
400 Us Highway 27 Byp, Bremen, GA 30110.
It was founded in
2004 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.
It was founded in 2004 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.
Deposit Rates - January 04, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.35% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
2.50% | $500 | Compare |
|
11 Mo CD
|
4.56% | $1,000 | Compare |
|
12 Mo CD
|
2.50% | $500 | Compare |
|
18 Mo CD
|
2.50% | $500 | Compare |
|
24 Mo CD
|
2.50% | $500 | Compare |
|
36 Mo CD
|
2.50% | $500 | Compare |
|
48 Mo CD
|
2.50% | $500 | Compare |
|
60 Mo CD
|
2.50% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
2.12% | $1,000 | Compare |
|
Money Market
|
0.43% | $25,000 | Compare |
|
Money Market
|
0.46% | $100,000 | Compare |
|
Money Market
|
0.49% | $250,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.10% | $100 |
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Public Note:
American Commerce Bank specializes in customized solutions for both business and personal banking needs. Our bank offers market-leading deposit rates as well as convenient on-line banking and treasury management services.Our primary commercial customers include owner-managed businesses, commercial property investors and their employees. By structuring terms to the specific needs of business borrowers, ACB is a champion of great community banking!
April 25, 2023
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 57686 |
| Date Established | 2004 |
| Assets | $ 500.37 million |
| Loans | $ 418.66 million |
| Deposits | $ 404.79 million |
| Capital | $ 75.91 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 67.79 million |
| Interest-bearing balances | $ 65.29 million |
| Total securities | N.A. |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 418.66 million |
| Loan loss allowance | $ 9.12 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.56 million |
| Goodwill and other intangibles | $ 0.01 million |
| All other assets | $ 6.16 million |
| Total Assets | $ 424.46 million |
| LIABILITIES | |
| Total deposits | $ 404.79 million |
| Interest-bearing deposits | $ 375.85 million |
| Deposits held in domestic offices | $ 404.79 million |
| % insured (estimated)" | 82.22% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 13.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 2.61 millionn |
| Total Liabilities | $ 424.46 million |
| Shareholders’ Equity | $ 75.91 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 17.42 million |
| Total Interest Expense | $ 6.83 million |
| Net interest income | $ 10.60 million |
| Provision for loan and lease losses | $ 0.34 million |
| Total non interest income | $ 0.37 million |
| Total non interest expense | $ 5.26 million |
| Pre-tax Net Operating Income | $ 4.56 million |
American Commerce Bank, National Association's History
American Commerce Bank opened for business in October 2004, and quickly earned a reputation for dependable relationship banking. Many of our initial customers still rely on us for their banking needs. From its first offices in west Georgia, our bank has prospered along with the communities we serve, tripling in size and market locations since 2012.
In June 2015, ACB acquired a key location in Tallahassee, Florida. Management and the board were attracted to a dynamic capital city that is home to two great schools: Florida State and Florida A&M University. Later that same year, the bank expanded into metro Atlanta with an office in the thriving and diverse city of Johns Creek.
In June 2015, ACB acquired a key location in Tallahassee, Florida. Management and the board were attracted to a dynamic capital city that is home to two great schools: Florida State and Florida A&M University. Later that same year, the bank expanded into metro Atlanta with an office in the thriving and diverse city of Johns Creek.
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Customer Reviews for American Commerce Bank, National Association
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Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.35%1.56x (National Avg. - 0.23%)$100-SCENARIO
Year Rate
0.35%Annual
InterestAnnual Interest
(After Tax)1 50,000 175 123 2 50,175 176 123 3 50,351 176 123 4 50,527 177 124 5 50,704 177 124 6 50,881 178 125 7 51,059 179 125 8 51,238 179 126 9 51,417 180 126 10 51,597 181 126 11 51,778 181 127 12 51,959 182 127 13 52,141 182 128 14 52,323 183 128 15 52,507 184 129 16 52,690 184 129 17 52,875 185 130 18 53,060 186 130 19 53,245 186 130 20 53,432 187 131 TOTAL $3,619 $2,533 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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