Banks | American Commerce Bank, National Association

American Commerce Bank, National Association

For information concerning Monesty, a division of American Commerce Bank of Georgia online bank, please click here.

American Commerce Bank, National Association ACH Number: 061120453

American Commerce Bank, National Association is an FDIC insured institution headquartered at 400 Us Highway 27 Byp, Bremen, GA 30110.
It was founded in 2004 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - March 14, 2025

Public Note:

American Commerce Bank specializes in customized solutions for both business and personal banking needs. Our bank offers market-leading deposit rates as well as convenient on-line banking and treasury management services.

Our primary commercial customers include owner-managed businesses, commercial property investors and their employees. By structuring terms to the specific needs of business borrowers, ACB is a champion of great community banking!

April 25, 2023

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57686
Date Established 2004
Assets $ 514.94 million
Loans $ 439.49 million
Deposits $ 423.77 million
Capital $ 70.21 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 62.30 million
Interest-bearing balances $ 59.89 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 439.49 million
Loan loss allowance $ 8.67 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.58 million
Goodwill and other intangibles $ 0.02 million
All other assets $ 6.16 million
     Total Assets $ 444.72 million

LIABILITIES
Total deposits $ 423.77 million
      Interest-bearing deposits $ 395.96 million
      Deposits held in domestic offices $ 423.77 million
      % insured (estimated) 81.46%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 13.00 million
Subordinated debt N.A.
All other liabilities $ 2.61 millionn
      Total Liabilities $ 444.72 million
      Shareholders’ Equity $ 70.21 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 23.89 million
Total Interest Expense $ 9.85 million
Net interest income $ 14.04 million
Provision for loan and lease losses $ 0.53 million
Total non interest income $ 0.55 million
Total non interest expense $ 7.83 million
Pre-tax Net Operating Income $ 4.56 million

American Commerce Bank, National Association's History

American Commerce Bank opened for business in October 2004, and quickly earned a reputation for dependable relationship banking. Many of our initial customers still rely on us for their banking needs. From its first offices in west Georgia, our bank has prospered along with the communities we serve, tripling in size and market locations since 2012.

In June 2015, ACB acquired a key location in Tallahassee, Florida. Management and the board were attracted to a dynamic capital city that is home to two great schools: Florida State and Florida A&M University. Later that same year, the bank expanded into metro Atlanta with an office in the thriving and diverse city of Johns Creek.

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