American Commerce Bank NA (FDIC #57686): Bank Stress & Real-Estate Credit Exposure
American Commerce Bank NA (FDIC Cert #57686): bank stress 30/100, contained, STABLE over 7 days; parent AMERICAN COM BANCSHARES INC.
American Commerce Bank NA (#57686) lends in 4 counties across 2 states; American Commerce Bank NA (#57686) reaches 77 ZIP codes: Georgia 3 counties, 63 ZIPs; Florida 1 county, 14 ZIPs.
American Commerce Bank NA (#57686) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#57686), Leon County, FL (14 branches, 14 ZIPs) (#57686), Carroll County, GA (11 branches, 11 ZIPs) (#57686), Haralson County, GA (7 branches, 7 ZIPs) (#57686).
American Commerce Bank NA (#57686) reports $495.7 million in total assets; American Commerce Bank NA (#57686) equity $84.7 million (17.1% of American Commerce Bank NA (#57686) assets); American Commerce Bank NA (#57686) domestic deposits $392.1 million; American Commerce Bank NA (#57686) net income $4.4 million; American Commerce Bank NA (#57686) return on assets 1.79%; American Commerce Bank NA (#57686) return on equity 10.61%; American Commerce Bank NA (#57686) net interest income $10.6 million; American Commerce Bank NA (#57686) call report June 30, 2026.
American Commerce Bank NA (#57686) noncurrent real-estate loans: none reported; American Commerce Bank NA (#57686) net charge-offs on real estate 2.93%; American Commerce Bank NA (#57686) residential charge-offs 2.48%.
American Commerce Bank NA (#57686) net interest margin 4.46% against an eight-quarter American Commerce Bank NA (#57686) average of 4.15% (American Commerce Bank NA (#57686) compression -0.31 points); American Commerce Bank NA (#57686) real-estate loans 0.2% of equity; American Commerce Bank NA (#57686) non-residential real estate 247.7% of equity; American Commerce Bank NA (#57686) rate-exposure score 40/100, American Commerce Bank NA (#57686) fixed-rate trap 40/100; American Commerce Bank NA (#57686) risk type rate trapped; American Commerce Bank NA (#57686) rate regime rates elevated, American Commerce Bank NA (#57686) snapshot October 20, 2026.
American Commerce Bank NA (#57686) stress score moved from 28.8 on June 22, 2026 to 29.9 on October 20, 2026; American Commerce Bank NA (#57686) ranged 28.8 to 29.9 over 117 snapshots.
American Commerce Bank NA (#57686) alerts: 4 counties; top American Commerce Bank NA (#57686) alert scores: Bremen County, GA 13 (low); Carrollton County, GA 13 (low); Duluth County, GA 13 (low); Tallahassee County, GA 13 (low).