# AMERICAN COMMERCIAL B&T NA
OTTAWA, IL · FDIC certificate 3719 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.07B | |
| Deposits | $1.84B | |
| Loans and leases | $1.76B | |
| Total equity | $188.9M | |
| Loans / deposits | 93.80% (p71 of band) | 87.10% |
| Liquid assets / assets | 11.68% (p9 of band) | |
| Uninsured deposits / deposits | 34.28% (p60 of band) | 30.76% |
| Brokered deposits | 21.84% | |
| Wholesale funding | 22.79% (p91 of band) | |
| FHLB advances / assets | 0.95% | |
| Tier 1 leverage | 9.34% (p20 of band) | 10.50% |
| Unrealized securities loss / equity | -8.49% (p47 of band) | -7.75% |
| AOCI / equity | -0.70% (p26 of band) | |
| ROA (annualized) | 1.34% (p58 of band) | 1.26% |
| Net interest margin | 4.10% (p74 of band) | 3.70% |
| Efficiency ratio | 50.85% (p25 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 515.45% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 52.29% (p56 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 166 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | losing money, noncurrent p90 |  |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 0 |  | reserve under noncurrent, losing money |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 0 |  | reserve under noncurrent, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 | charge-offs p90 | deposits shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2017-12 | 0 |  | capital falling, reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 1 |  | capital falling, noncurrent p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 | loans exceed deposits | reserve under noncurrent, uninsured deposits leaving |
| 2020-03 | 2 | charge-offs p90 | loans exceed deposits |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling, charge-offs p90 | liquid assets <10% |
| 2021-06 | 1 |  | loans exceed deposits, capital falling |
| 2021-09 | 0 |  | charge-offs p90 |
| 2021-12 | 1 | liquid assets <10% |  |
| 2022-03 | 2 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2022-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 3 | wholesale funding >15%, capital falling |  |
| 2023-03 | 3 | brokered >10% | capital falling |
| 2023-06 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3719 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "3719", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide