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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.

Deposit Rates - December 19, 2025

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




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 2025

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.

*Should any logos, images or public notes appear on this page,they do so courtesy of American Commerce Bank, National Association and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.

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Branches

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American Commerce Bank, National Association Locations

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."

  • 1
    LOCAL SAVINGS
    American Commerce Bank, National Association
    Bank
    -
    $50,000
    N.A.
    0.35%
    1.55x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual 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
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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