American Commercial Bank & Trust
Legal institution: American Commercial Bank & Trust, National Association. Headquartered in Ottawa, IL. Part of First Ottawa Bancshares, Inc. FDIC certificate #3719 · Federal Reserve RSSD 856243.
Total assets
$2.1B
Deposits
$1.8B
Q2 2026
Active branches
11
Closings since Jan 2020
0
2 openings since Jan 2020
Financial snapshot — Q2 2026
All quarters →Net income (quarter)
$7M
Return on assets
1.34%
Return on equity
14.97%
Noncurrent loan rate
0.29%
Deposits by year (Summary of Deposits)
02019
12020
12021
12022
12023
12024
22025
22026
Values in $ billions, June 30 of each year.
Openings by year
12020
12021
Other network changes since 2020
- 3 branch relocations
- September 17, 2021: legal name changed from “The First National Bank of Ottawa” to “American Commercial Bank & Trust, National Association”
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.acbandt.com.