American Commercial Bank & Trust, National Association

American Commercial Bank & Trust, National Association is an FDIC insured institution headquartered at 701 La Salle St, Ottawa, IL 61350.
It was founded in 1865 and has approximately $2 billion in assets. Customers can open an account at one of its 8 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.16%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.10%	$10,000	Compare
6 Mo CD	0.10%	$100,000	Compare
12 Mo CD	0.21%	$10,000	Compare
12 Mo CD	0.21%	$100,000	Compare
18 Mo CD	0.26%	$10,000	Compare
18 Mo CD	0.26%	$100,000	Compare
24 Mo CD	0.41%	$10,000	Compare
24 Mo CD	0.41%	$100,000	Compare
36 Mo CD	0.65%	$10,000	Compare
36 Mo CD	0.65%	$100,000	Compare
48 Mo CD	0.98%	$10,000	Compare
48 Mo CD	0.98%	$100,000	Compare
60 Mo CD	1.21%	$10,000	Compare
60 Mo CD	1.21%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.02%	$2,500	Compare
Money Market	0.09%	$10,000	Compare
Money Market	0.14%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.01%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 3719
Date Established	1865
Assets	$ 2.03 billion
Loans	$ 1,716.20 million
Deposits	$ 1,747.31 million
Capital	$ 178.08 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 34.24 million
Interest-bearing balances	$ 26.81 million
Total securities	$ 189.33 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,716.20 million
Loan loss allowance	$ 24.37 million
Trading account assets	$ 10.38 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.66 million
Goodwill and other intangibles	$ 8.38 million
All other assets	$ 34.69 million
Total Assets	$ 1,855.91 million

LIABILITIES
Total deposits	$ 1,747.31 million
Interest-bearing deposits	$ 1,351.21 million
Deposits held in domestic offices	$ 1,747.31 million
% insured (estimated)"	68.17%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 55.00 million
Subordinated debt	N.A.
All other liabilities	$ 10.14 millionn
Total Liabilities	$ 1,855.91 million
Shareholders’ Equity	$ 178.08 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 114.81 million
Total Interest Expense	$ 45.07 million
Net interest income	$ 69.74 million
Provision for loan and lease losses	$ 4.38 million
Total non interest income	$ 9.77 million
Total non interest expense	$ 38.33 million
Pre-tax Net Operating Income	$ 8.47 million

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