Question 1

What is American Commerce Bank?

Accepted Answer

American Commerce Bank is a community-focused national bank headquartered in Bremen, Georgia, operating in the Atlanta-Sandy Springs-Alpharetta metropolitan statistical area. As of August 2022, the bank holds approximately $495.5 million in total assets and $398.1 million in deposits across four offices.

The bank specializes in customized solutions for commercial and consumer banking customers, with a primary focus on owner-managed businesses, commercial property investors, and their employees. American Commerce Bank operates as a subsidiary of American Commerce Bancshares, Inc. and maintains the highest capital ratings for bank strength.

Question 2

When was American Commerce Bank founded?

Accepted Answer

American Commerce Bank opened for business in October 2004 as a community bank serving west Georgia. The institution was originally established as Peoples Community National Bank and changed its name to American Commerce Bank, N.A. in February 2015.

Since its founding, the bank has tripled in size and expanded its market locations since 2012. The bank quickly earned a reputation for dependable personal banking, with many initial customers continuing to rely on the institution for their banking needs over two decades later.

Question 3

Where is American Commerce Bank headquartered?

Accepted Answer

American Commerce Bank is headquartered in Bremen, Georgia, with its main office located at 400 US Highway 27 Bypass. Bremen is situated in Haralson County in west Georgia, serving as the operational hub for the bank's regional activities.

Question 4

Where does American Commerce Bank operate?

Accepted Answer

American Commerce Bank operates four full-service offices across Georgia and Florida:
• Bremen, Georgia - Main headquarters office in Haralson County
• Carrollton, Georgia - Branch serving Carroll County
• Johns Creek, Georgia - Metro Atlanta location serving the diverse and thriving northern suburbs (opened in 2015)
• Tallahassee, Florida - Capital city location serving Florida State and Florida A&M University communities (acquired June 2015)

The bank serves customers throughout the Atlanta-Sandy Springs-Alpharetta Core Based Statistical Area and has expanded strategically into dynamic markets that align with its community banking mission.

Question 5

What services does American Commerce Bank offer?

Accepted Answer

American Commerce Bank provides comprehensive banking services for both personal and business customers:

Personal Banking:
• Checking and savings accounts
• Individual Retirement Accounts (IRAs)
• Health Savings Accounts (HSAs)
• Certificates of deposit
• Personal loans and consumer credit

Business Banking:
• Commercial checking and savings
• Treasury management services
• Merchant services
• Remote deposit capture
• IOLTA accounts
• Courier services

Lending Services:
• Commercial loans
• Real estate loans
• Small Business Administration (SBA) loans
• Agricultural loans
• Farm Service Agency (FSA) loans
• Consumer loans

Digital Banking:
• Online banking platform with account management
• Mobile banking app with mobile deposit
• Electronic statements with check images
• Bill pay services
• Wire transfers and ACH payments
• Overdraft protection

All accounts include online banking access and electronic statements with check images. The bank offers 24-hour ATM access at all branch locations using the Cirrus/Pulse network.

Question 6

What makes American Commerce Bank unique?

Accepted Answer

American Commerce Bank distinguishes itself through several key features:

Customized Financial Solutions: The bank structures loan terms to the specific needs of borrowers rather than offering one-size-fits-all products, making it a champion of local business owners and community residents.

Market-Leading Deposit Rates: American Commerce Bank offers competitive deposit rates designed to attract and retain customers seeking strong returns on their savings.

AARP BankSafe Training: The institution demonstrates commitment to customer protection through specialized training as an AARP BankSafe institution, actively fighting elder financial abuse and educating customers about modern scams.

Strong Financial Performance: The bank maintains impressive financial metrics with a Return on Assets (ROA) of 1.62% and Return on Equity (ROE) of 11.02%, reflecting sound management and profitability.

Strategic Market Selection: Rather than rapid expansion, the bank has carefully selected dynamic markets including university communities and diverse suburban areas that align with its community banking philosophy.

Question 7

What type of financial institution is American Commerce Bank?

Accepted Answer

American Commerce Bank is a National Bank operating under a federal charter. As a national bank, it is supervised by the Office of the Comptroller of the Currency (OCC) and is a member of the Federal Reserve System.

The bank is classified as a community bank by regulatory standards, maintaining local decision-making authority and a focus on relationship banking. It operates with full FDIC insurance protection for depositors and holds FDIC Certificate number 57686.

As a commercial bank, the institution engages in traditional banking activities including accepting deposits, making loans, and providing payment services to individuals and businesses within its service areas.

American Commerce Bank

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About American Commerce Bank in the United States