American Community Bank & Trust

1290 Lake Avenue
Woodstock, IL 60098

Notable Rates APY Vs.Others
Savings 0.15% 2.30% →
1-Year CD 1.51% 2.25% →
2-Year CD 1.61% 2.50% →
5-Year CD 2.01% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

American Community Bank & Trust is an FDIC insured institution located in Woodstock, IL. It was founded in 2000 and has approximately $0.57 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 35412
Date Established 2000
Assets $0.57 billion
Loans $0.37 billion
Deposits $0.49 billion
Capital $0.08 billion
 

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

Deposit Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.60% $2,000 - Learn MoreShow Less
6 Mo CD
0.75% $2,000 - Learn MoreShow Less
12 Mo CD
1.51% $2,000 - Learn MoreShow Less
18 Mo CD
1.56% $2,000 - Learn MoreShow Less
24 Mo CD
1.61% $2,000 $99,999 Learn MoreShow Less
30 Mo CD
1.76% $2,000 $99,999 Learn MoreShow Less
36 Mo CD
1.91% $2,000 $99,999 Learn MoreShow Less
48 Mo CD
1.96% $2,000 $99,999 Learn MoreShow Less
60 Mo CD
2.01% $2,000 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $2,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 - Learn MoreShow Less

Loan Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Community Bank & Trust

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to American Community Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

American Community Bank & Trust 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:
Fairfield,Connecticut


American Community Bank & Trust Locations


Financial Details

American Community Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Community Bank & Trust. 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 Community Bank & Trust U.S. Bank Average
3.76% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, American Community Bank & Trust had $424,000 in non-current loans and $2,582,000 in owned real estate. To cover these potential losses it had $75,285,000 in equity and $4,583,000 in loans loss reserves. That gives it a Texas Ratio of 3.76%.

Return on Equity
American Community Bank & Trust U.S. Bank Average
6.2% 9.50%

American Community Bank & Trust has a Return on Equity of 6.2% versus the BestCashCow average of 9.50%. 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 Community Bank & Trust U.S. Bank Average
13.14% 12.76%

American Community Bank & Trust has a Capitalization of 13.14% versus the BestCashCow average of 12.76. 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 Community Bank & Trust Balance Sheet Analysis

As of June 30, 2019, American Community Bank & Trust had assets of $572,755,000, loans of $371,874,000, and deposits of $494,903,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.06 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.37 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.50 billion
LIABILITIES
Total deposits $0.49 billion
      Interest-bearing deposits $0.39 billion
      Deposits held in domestic offices $0.49 billion
      % insured (estimated) 58.91%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.50 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in American Community Bank & Trust’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, American Community Bank & Trust has a significantly higher percent of Small Business Loans, 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 16.30
Multifamily
Mortgages
4.48
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 22.67
Construction and Development Loans 3.82
Commercial Real Estate 50.16
Commercial and Industrial Loans 21.50
Farm Loans 0.03

Frequently Asked Questions About American Community Bank & Trust

Branches and Savings

Is American Community Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #35412.

Why does American Community Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Community Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Community Bank & Trust a commercial bank?

Yes

Where are American Community Bank & Trust locations?

See branch locations nearby.

Is American Community Bank & Trust open on Saturdays?

Is American Community Bank & Trust open on Sundays?

What time does American Community Bank & Trust open?

What time does American Community Bank & Trust close?

Are American Community Bank & Trust ATMs Open 24/7?

Do American Community Bank & Trust ATMs accept cash deposits?

Can American Community Bank & Trust customers use other ATMs?

Do American Community Bank & Trust branches have notaries?

Will American Community Bank & Trust notarize my document?

What address for American Community Bank & Trust should I put for incoming ACH transfers?

Will the American Community Bank & Trust branch print checks?

Do American Community Bank & Trust checks expire?

Does American Community Bank & Trust require US citizenship to open account?

Can American Community Bank & Trust close my account?

Does American Community Bank & Trust Report to credit bureaus?

Does American Community Bank & Trust Use Equifax?

What is American Community Bank & Trust's ACH Routing Number?

What is American Community Bank & Trust's SWIFT code?

Products

Does American Community Bank & Trust offer mortgages?

Compare mortgage rates here.

Does American Community Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Community Bank & Trust offer personal loans?

Compare personal loan rates here.

Does American Community Bank & Trust offer student loans?

Will American Community Bank & Trust cash a check?

Will American Community Bank & Trust redeem a savings bond?

Does American Community Bank & Trust cash savings bonds?

Will American Community Bank & Trust cash money orders?

Can American Community Bank & Trust issue a money order?

Does American Community Bank & Trust do currency exchange?

Background on The Bank

Who owns American Community Bank & Trust?

How long has American Community Bank & Trust been around?

Can American Community Bank & Trust transfer to other banks?

Does American Community Bank & Trust have quick pay?

Does American Community Bank & Trust accept rolled coins?

Will American Community Bank & Trust accept loose change?

Where is American Community Bank & Trust headquarters?

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