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American Community Bank & Trust


ACH Number: 71927222

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 - March 19, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35412
Date Established 2000
Assets $ 1,094.72 million
Loans $ 731.46 million
Deposits $ 940.21 million
Capital $ 113.44 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 91.79 million
Interest-bearing balances $ 81.16 million
Total securities $ 235.33 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 731.46 million
Loan loss allowance $ 9.62 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 $ 981.28 million

LIABILITIES
Total deposits $ 940.21 million
      Interest-bearing deposits $ 699.93 million
      Deposits held in domestic offices $ 940.21 million
      % insured (estimated)" 54.64%
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 $ 981.28 million
      Shareholders’ Equity $ 113.44 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 41.73 million
Total Interest Expense $ 13.92 million
Net interest income $ 27.80 million
Provision for loan and lease losses $ 5.59 million
Total non interest income $ 4.25 million
Total non interest expense $ 16.68 million
Pre-tax Net Operating Income $ 6.86 million

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