American Commercial B&T NA (FDIC #3719): Bank Stress & Real-Estate Credit Exposure
American Commercial B&T NA (FDIC Cert #3719): bank stress 67/100, elevated, STABLE over 7 days; parent FIRST OTTAWA BANCSHARES INC.
American Commercial B&T NA (#3719) lends in 5 counties across 1 state; American Commercial B&T NA (#3719) reaches 267 ZIP codes: Illinois 5 counties, 267 ZIPs.
American Commercial B&T NA (#3719) largest markets: Cook County, IL (356 branches, 178 ZIPs) (#3719), Dupage County, IL (43 branches, 43 ZIPs) (#3719), Lasalle County, IL (174 branches, 29 ZIPs) (#3719), Kendall County, IL (19 branches, 19 ZIPs) (#3719), Grundy County, IL (16 branches, 16 ZIPs) (#3719).
American Commercial B&T NA (#3719) reports $2.07 billion in total assets; American Commercial B&T NA (#3719) equity $188.9 million (9.1% of American Commercial B&T NA (#3719) assets); American Commercial B&T NA (#3719) domestic deposits $1.84 billion; American Commercial B&T NA (#3719) net income $13.7 million; American Commercial B&T NA (#3719) return on assets 1.34%; American Commercial B&T NA (#3719) return on equity 14.97%; American Commercial B&T NA (#3719) net interest income $40.1 million; American Commercial B&T NA (#3719) call report June 30, 2026.
American Commercial B&T NA (#3719) noncurrent real-estate loans 0.01% of its book; American Commercial B&T NA (#3719) residential 0.01%; American Commercial B&T NA (#3719) net charge-offs on real estate 0.31%; American Commercial B&T NA (#3719) residential charge-offs 0.39%.
American Commercial B&T NA (#3719) net interest margin 4.10% against an eight-quarter American Commercial B&T NA (#3719) average of 3.86% (American Commercial B&T NA (#3719) compression -0.24 points); American Commercial B&T NA (#3719) real-estate loans 0.6% of equity; American Commercial B&T NA (#3719) non-residential real estate 38.5% of equity; American Commercial B&T NA (#3719) rate-exposure score 40/100, American Commercial B&T NA (#3719) fixed-rate trap 40/100; American Commercial B&T NA (#3719) risk type credit driven; American Commercial B&T NA (#3719) rate regime rates elevated, American Commercial B&T NA (#3719) snapshot October 19, 2026.
American Commercial B&T NA (#3719) stress score moved from 68.3 on June 22, 2026 to 66.9 on October 19, 2026; American Commercial B&T NA (#3719) ranged 66.9 to 68.3 over 116 snapshots.
American Commercial B&T NA (#3719) alerts: 5 counties; top American Commercial B&T NA (#3719) alert scores: Lisle County, IL 24 (low); Morris County, IL 24 (low); Schaumburg County, IL 24 (low); Streator County, IL 24 (low); Yorkville County, IL 24 (low).