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.
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 35412
Date Established
2000
Assets
$ 1,140.61 million
Loans
$ 754.07 million
Deposits
$ 983.64 million
Capital
$ 113.87 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 100.34 million
Interest-bearing balances
$ 92.20 million
Total securities
$ 251.70 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 754.07 million
Loan loss allowance
$ 8.92 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
$ 1,026.75 million
LIABILITIES
Total deposits
$ 983.64 million
Interest-bearing deposits
$ 741.46 million
Deposits held in domestic offices
$ 983.64 million
% insured (estimated)"
53.15%
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
$ 1,026.75 million
Shareholders’ Equity
$ 113.87 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 57.00 million
Total Interest Expense
$ 18.56 million
Net interest income
$ 38.45 million
Provision for loan and lease losses
$ 6.26 million
Total non interest income
$ 5.82 million
Total non interest expense
$ 23.01 million
Pre-tax Net Operating Income
$ 6.86 million
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Branches
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