Total Assets
$2.1B
Total Deposits
$1.8B
Branches
11
Established
1865
American Commercial Bank & Trust, National Association is a bank headquartered in Ottawa, Illinois, established in 1865. It holds $2.1B in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, American Commercial Bank & Trust, National Association earns a TFS Financial Health Grade of B+ (83.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.8 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| American Commercial Bank & Trust, National AssociationHQ | 701 La Salle St | Ottawa | IL | 11 |
| American Commercial Bank & Trust, National Association | 1315 N North Branch St | Chicago | IL | 11 |
| American Commercial Bank & Trust, National Association | 4733 Main St | Lisle | IL | 11 |
| American Commercial Bank & Trust, National Association | 1771 N Division St | Morris | IL | 11 |
| American Commercial Bank & Trust, National Association | 2771 Columbus St | Ottawa | IL | 23 |
| American Commercial Bank & Trust, National Association | 300 West Madison Street | Ottawa | IL | 23 |
| American Commercial Bank & Trust, National Association | 601 State St | Ottawa | IL | 23 |
| American Commercial Bank & Trust, National Association | 1475 E Woodfield Rd | Schaumburg | IL | 11 |
| American Commercial Bank & Trust, National Association | 2324 N Bloomington St | Streator | IL | 23 |
| American Commercial Bank & Trust, National Association | 409 E Bridge St | Streator | IL | 11 |
| American Commercial Bank & Trust, National Association | 1459 Cannonball Trl | Yorkville | IL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.8
Tier 1 capital ratio
9.34%
Return on assets
1.34%
Non-performing loans
0.29%
Efficiency ratio
50.85%
Asset growth (YoY)
11.96%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.