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American Community Bank & Trust


American Community Bank & Trust is an FDIC insured institution headquartered at 1290 Lake Ave, Woodstock, IL 60098.
It was founded in 2000 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.65% $10,000 Compare
24 Mo CD
0.65% $100,000 Compare
30 Mo CD
0.70% $10,000 Compare
30 Mo CD
0.70% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.85% $10,000 Compare
48 Mo CD
0.85% $100,000 Compare
60 Mo CD
0.95% $10,000 Compare
60 Mo CD
0.95% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35412
Date Established 2000
Assets $ 969.76 million
Loans $ 669.91 million
Deposits $ 824.60 million
Capital $ 106.33 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 56.72 million
Interest-bearing balances $ 48.49 million
Total securities $ 206.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 669.91 million
Loan loss allowance $ 7.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 13.70 million
     Total Assets $ 863.42 million

LIABILITIES
Total deposits $ 824.60 million
      Interest-bearing deposits $ 577.96 million
      Deposits held in domestic offices $ 824.60 million
      % insured (estimated)" 54.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.35 millionn
      Total Liabilities $ 863.42 million
      Shareholders’ Equity $ 106.33 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 56.87 million
Total Interest Expense $ 25.01 million
Net interest income $ 31.86 million
Provision for loan and lease losses $ 0.57 million
Total non interest income $ 4.58 million
Total non interest expense $ 20.27 million
Pre-tax Net Operating Income $ 6.86 million

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