Message from Management

Banking is built on relationships, strengthened through every interaction among our employees and the clients and communities we serve. We are dedicated to growing trust through every decision we make, every dollar we invest, and every moment we volunteer.

Over the last decade, our banks and employees volunteered more than 10,000 hours and $500,000 to our communities, demonstrating that employee engagement is a major component of our mutual success.

Our employees thrill at the opportunity to help change the lives of our customers by providing the right products and services at the right time.  Whether for the purchase of a first home, a second car, college tuition, a savings plan for retirement, a land or personal Trust, or a Health Savings Account we are committed to helping our clients make informed decisions that improve their lives.

Our business and commercial clients rely on our bankers to be trusted advisors and advocates.  We pair this commitment and talent with the latest technologies to ensure our clients can compete in an ever more global business environment.  Our bankers are fanatical about being the best and helping their clients become leaders in their industries.

Since 1865, American Commercial Bank & Trust (formerly The First National Bank of Ottawa) has demonstrated an unwavering commitment to the success of the people and communities we serve and look forward to the challenges and opportunities the next century will bring.

Thank you for being our clients and advocates.

Steven M. Gonzalo
President & CEO

Dan Miller
Partner & Chairman of the Board