American Commercial Bank & Trust, National Association is a bank based in Ottawa, Illinois, established in 1865, with $2.0 billion in total assets across 11 branches. By Trust Grade it ranks 216th of 328 banks we track in Illinois. Its capital ratio of 8.9% trails most similarly sized banks (22th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.23% return on assets. No consumer complaints against American Commercial Bank & Trust, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Commercial Bank & Trust, National Association compares to Illinois peers
How we graded American Commercial Bank & Trust, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Strongly profitable (ROA 1.23%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Commercial Bank & Trust, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 300 West Madison Street, Ottawa, IL 61350
- 601 State St, Ottawa, IL 61350
- 2771 Columbus St, Ottawa, IL 61350
- 2324 N Bloomington St, Streator, IL 61364
- 701 La Salle St, Ottawa, IL 61350
- 409 E Bridge St, Streator, IL 61364
- 1771 N Division St, Morris, IL 60450
- 1459 Cannonball Trl, Yorkville, IL 60560
- 4733 Main St, Lisle, IL 60532
- 1475 E Woodfield Rd, Schaumburg, IL 60173
- 1315 N North Branch St, Chicago, IL 60642
Are deposits at American Commercial Bank & Trust, National Association insured?
Yes. American Commercial Bank & Trust, National Association is an FDIC-insured bank (FDIC certificate #3719). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
American Commercial Bank & Trust, National Association: frequently asked questions
Is American Commercial Bank & Trust, National Association a good bank?
American Commercial Bank & Trust, National Association earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Strongly profitable (ROA 1.23%).
Is American Commercial Bank & Trust, National Association FDIC-insured?
Yes. American Commercial Bank & Trust, National Association is a FDIC-insured bank (FDIC certificate #3719). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Commercial Bank & Trust, National Association?
American Commercial Bank & Trust, National Association holds $2.0 billion in total assets, ranking 216th of 328 banks we track in Illinois. It operates 11 branches.
Does American Commercial Bank & Trust, National Association have CFPB complaints?
No CFPB complaints against American Commercial Bank & Trust, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
