American Community Bank & Trust is a bank based in Woodstock, Illinois, established in 2000, with $1.2 billion in total assets across 5 branches. By Trust Grade it ranks 86th of 328 banks we track in Illinois. Its capital ratio of 10.1% trails most similarly sized banks (46th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.45% return on assets. No consumer complaints against American Community Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Community Bank & Trust compares to Illinois peers
How we graded American Community Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Strongly profitable (ROA 1.45%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Community Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1500 S State Route 31, Mchenry, IL 60050
- 381 S Main St, Crystal Lake, IL 60014
- 10101 Route 47, Huntley, IL 60142
- 85 W Algonquin Rd, Arlington Heights, IL 60005
- 1290 Lake Ave, Woodstock, IL 60098
Are deposits at American Community Bank & Trust insured?
Yes. American Community Bank & Trust is an FDIC-insured bank (FDIC certificate #35412). 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 Community Bank & Trust: frequently asked questions
Is American Community Bank & Trust a good bank?
American Community Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Strongly profitable (ROA 1.45%).
Is American Community Bank & Trust FDIC-insured?
Yes. American Community Bank & Trust is a FDIC-insured bank (FDIC certificate #35412). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Community Bank & Trust?
American Community Bank & Trust holds $1.2 billion in total assets, ranking 86th of 328 banks we track in Illinois. It operates 5 branches.
Does American Community Bank & Trust have CFPB complaints?
No CFPB complaints against American Community Bank & Trust 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.
