American Commercial Bank & Trust, National Association
Ottawa, IL · Owner: First Ottawa Bancshares, Inc.
$2.1B
total assets, June 30, 2026
$2.1B
total assets, June 30, 2026
American Commercial Bank & Trust, National Association is a national bank based in Ottawa, IL, owned by First Ottawa Bancshares, Inc. (FOTB). As of June 30, 2026 it held $2.1 billion in assets and $1.8 billion in deposits; assets were up 12.0% from a year before. It has 11 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.1B
+12.0% in a year · +1.7% in a quarter
Deposits
$1.8B
+12.4% in a year · +0.9% in a quarter
Loans
$1.8B
+13.1% in a year · +1.6% in a quarter
Profit so far
$13.7M
Jan 1 to Jun 30, 2026 · +14.1% in a year
Capital ratio
9.34%
+0.21 pts in a year
Return on assets
1.34%
-0.01 pts in a year
Facts
- Type
- National bank
- Head office
- 701 La Salle St, Ottawa, IL, 61350
- County
- Lasalle
- Holding company
- First Ottawa Bancshares, Inc. (FOTB)
- Established
- Jun 1, 1865
- Employees
- 166
- Branches
- 11
- Website
- www.acbandt.com
- Id
- b3719
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
11 offices as of June 30, 2026, holding $1.8 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Illinois | 11 | $1.8B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Plaza Facility | Ottawa, IL | $424M |
| American Commercial Bank & Trust, National Association (main office) | Ottawa, IL | $357M |
| American Commercial Bank & Trust Branch | Schaumburg, IL | $326M |
| Northfield Branch | Ottawa, IL | $268M |
| Lisle Branch | Lisle, IL | $258M |
| South Branch | Ottawa, IL | $67.0M |
| Morris National Bank & Trust | Morris, IL | $42.9M |
| Streator Banking Center Facility | Streator, IL | $41.7M |
| American Commercial Bank & Trust Branch | Chicago, IL | $29.6M |
| North Facility | Streator, IL | $15.4M |
Related pages
Questions and answers
How big is American Commercial Bank & Trust, National Association?
$2.1 billion in total assets and $1.8 billion in deposits as of June 30, 2026, with assets up 12.0% from a year before. Its loans were $1.8 billion.
How many branches does American Commercial Bank & Trust, National Association have?
11 branches in Illinois as of June 30, 2026.
Is American Commercial Bank & Trust, National Association profitable?
Yes: it earned $13.7 million from January 1 to June 30, 2026 (up 14.1% from the same months a year before). Its return on assets was 1.34% a year; about 1% is typical.
Who owns American Commercial Bank & Trust, National Association?
American Commercial Bank & Trust, National Association is owned by First Ottawa Bancshares, Inc., its holding company, which is listed as FOTB.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.