American Commerce Bank, National Association

logo for American Commerce Bank, National Association
Headquarters

400 Us Highway 27 Byp
Bremen, GA 30110
See all branch locations →

ACH 061120453

Phone 7705372265

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →
Public Note: American Commerce Bank specializes in customized solutions for both business and personal banking needs. Our bank offers market-leading deposit rates as well as convenient on-line banking and treasury management services.

Our primary commercial customers include owner-managed businesses, commercial property investors and their employees. By structuring terms to the specific needs of business borrowers, ACB is a champion of great community banking!

April 25, 2023

2024 Overview

General Bank Information

American Commerce Bank, National Association is an FDIC insured institution located in Bremen, GA. It was founded in 2004 and has approximately $0.5 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 57686
Date Established 2004
Assets $ 497.90 million
Loans $ 405.10 million
Deposits $ 416.17 million
Capital $ 65.50 million
 

For a more detailed analysis of American Commerce Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

Online Only Savings Rates of Monesty, a division of American Commerce Bank of Georgia

Online Savings Rates APY MIN MAX
Monesty High Yield Savings
4.33% $1,000 $50,000 Learn More
Monesty Hi-Yield Savings w/ Silver Creek or Safe Harbor Checking
4.58% $1,001 $50,000 Learn More

Online Only CD Rates of Monesty, a division of American Commerce Bank of Georgia

Online CD Rates APY MIN MAX
6-Month CD
5.12% $500 $250 Learn More
1-Year CD
5.22% $500 - Learn More

Bank Online Offers


Loan Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Commerce Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.541% 6.375%
0.75 points
$5,603 fees
$1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.616% 6.500%
1.00 points
$3,855 fees
$2,023 Learn More
PADDIO
NMLS ID: 1907
6.812% 6.625%
1.00 points
$6,202 fees
$2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
6.973% 6.875%
1.00 points
$3,200 fees
$2,103 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to American Commerce Bank, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

American Commerce Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American Commerce Bank, National Association Locations



Climate Policy and Initiatives

American Commerce Bank, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


Add Your Review


or use your BestCashCow account

or

Financial Details

American Commerce Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Commerce Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Commerce Bank, National Association U.S. Bank Average
14.8% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, American Commerce Bank, National Association had $10,925,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $65,497,000 in equity and $8,329,000 in loans loss reserves. That gives it a Texas Ratio of 14.8%.

Return on Equity
American Commerce Bank, National Association U.S. Bank Average
10.85% 12.20%

American Commerce Bank, National Association has a Return on Equity of 10.85% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
American Commerce Bank, National Association U.S. Bank Average
13.15% 10.76%

American Commerce Bank, National Association has a Capitalization of 13.15% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Commerce Bank, National Association Balance Sheet Analysis

As of December 31, 2023, American Commerce Bank, National Association had assets of $497,904,000, loans of $405,095,000, and deposits of $416,166,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 81.91 million
Interest-bearing balances $ 78.77 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 405.10 million
Loan loss allowance $ 8.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.02 million
All other assets $ 6.16 million
     Total Assets $ 432.41 million
LIABILITIES
Total deposits $ 416.17 million
      Interest-bearing deposits $ 380.12 million
      Deposits held in domestic offices $ 416.17 million
      % insured (estimated) 80.15%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 13.00 million
Subordinated debt N.A.
All other liabilities $ 2.61 million
      Total Liabilities $ 432.41 million
      Shareholders’ Equity $ 65.50 million

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 30.36 million
Total Interest Expense $ 10.81 million
Net interest income $ 19.55 million
Provision for loan and lease losses $ 0.68 million
Total non interest income $ 1.20 million
Total non interest expense $ 11.28 million
Pre-tax Net Operating Income $ 4.56 million

Bank Loan Profile?

The top three loan types in American Commerce Bank, National Association’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, American Commerce Bank, National Association has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.48
Multifamily
Mortgages
12.17
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 12.82
Construction and Development Loans 9.83
Commercial Real Estate 53.14
Commercial and Industrial Loans 4.63
Farm Loans 0.01

American Commerce Bank, National Association's History

American Commerce Bank opened for business in October 2004, and quickly earned a reputation for dependable relationship banking. Many of our initial customers still rely on us for their banking needs. From its first offices in west Georgia, our bank has prospered along with the communities we serve, tripling in size and market locations since 2012. In June 2015, ACB acquired a key location in Tallahassee, Florida. Management and the board were attracted to a dynamic capital city that is home to two great schools: Florida State and Florida A&M University. Later that same year, the bank expanded into metro Atlanta with an office in the thriving and diverse city of Johns Creek.

Customer Reviews for American Commerce Bank, National Association

There are currently no comments for American Commerce Bank, National Association. Be the first to share your experience. Please provide comments that will help others.


Add Your Review


or use your BestCashCow account

or

*Should any logos, images or public notes appear on this page,they do so courtesy of American Commerce Bank, National Association and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.