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American Community Bank of Indiana

$100M-$1B Specialty: Commercial IN FDIC cert 29878

Saint John, IN

5 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits -0.7% year over year ($344.8M on the books).
  • Delinquency rate 2.36%.
  • Return on assets 1.08%.
  • Efficiency ratio 57.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

American Community Bank of Indiana has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.08% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.9% in tier
  • - Flatlined Growth: Bottom 38.2% in tier
  • - Liquidity Strain: Bottom 46.7% in tier
  • - Delinquency Rate 1.44% above tier average
  • - Nonperforming Asset Ratio 1.48% above tier average
  • - ROA 0.25% below tier average
Get updates when American Community Bank of Indiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $383.0M
-0.0% YoY +1.7% QoQ
-$3.5M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $315.1M
+10.8% YoY +2.7% QoQ
+$56.7M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $344.8M
-0.7% YoY +1.7% QoQ
+$18.0M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.08%
+20.5% YoY -7.7% QoQ
-0.25% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.98%
+18.7% YoY +3.2% QoQ
-0.01% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 57.40%
-13.0% YoY -7.0% QoQ
-7.08% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 2.36%
+145.5% YoY +2.2% QoQ
+1.44% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Bottom 9.7% in tier
Loan-to-Deposit Ratio ? 91.38%
+11.5% YoY +1.0% QoQ
+13.43% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 14.81%
+17.6% YoY -0.9% QoQ
-7.22% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 2.15%
+201.0% YoY +2.7% QoQ
+1.48% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Bottom 6.4% in tier
Tier 1 Capital Ratio ? 10.97%
-6.8% YoY -1.4% QoQ
-4.94% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.24%
+31.7% YoY +118.9% QoQ
-0.33% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 14.8%
+2.2pp YoY
-0.1pp QoQ
 -7.3pp 22.1% 16.8% 22.2% 23%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 17.7%
+2.4pp YoY
+0.7pp QoQ
 +6.2pp 11.6% 11.1% 12.5% 84%
CRE 52.2%
+1.3pp YoY
+0.5pp QoQ
 +12.6pp 39.5% 36.2% 41.4% 74%
1-4 Family 30.8%
-3.2pp YoY
-1.0pp QoQ
 -1.9pp 32.6% 40.0% 31.3% 53%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 3.2% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 11.0%
-0.8pp YoY
-0.2pp QoQ
 -7.9pp 18.8% 17.5% 19.7% 8%
Leverage Ratio 9.8%
+0.5pp YoY
+0.4pp QoQ
 -2.3pp 12.2% 13.0% 12.6% 27%
Total Capital Ratio 12.2%
-0.7pp YoY
-0.1pp QoQ
 -7.7pp 19.9% 18.7% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 42
+1 (+2.4%) YoY
0 QoQ
 -17 58 237 482 44%
Assets per Employee ($) $9.1M
-2.4% YoY
+1.7% QoQ
 +$1.6M $7.5M $7.5M $8.8M 80%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.4%
+1.4pp YoY
+0.1pp QoQ
 +1.4pp 0.9% 0.8% 1.0% 90%
Allowance Coverage 0.55x
-52.2% YoY
+15.0% QoQ
 -23.60x 24.15x 6.71x 20.23x 12%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 11.7%
+1.4pp YoY
-1.1pp QoQ
 -0.5pp 12.2% 11.2% 11.6% 48%
Cost of Funds (YTD) 2.0%
-0.5pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 69%
Net Income ($, YTD) $2.0M
+21.6% YoY
— QoQ
 -$509K $2.6M $16.3M $40.4M 53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#179 of 661 • Bottom 26.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.97%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#203 of 529 • Bottom 38.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.08%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#324 of 691 • Bottom 46.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.38%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2476
Nonperforming Asset Ratio
credit_quality
Value: 2.15%
Peer Median: 0.67%
#2476 of 2643 Bottom 6.4% in $100M-$1B
2379
Delinquency Rate
credit_quality
Value: 2.36%
Peer Median: 0.92%
#2379 of 2633 Bottom 9.7% in $100M-$1B
2038
Tier 1 Capital Ratio
capital
Value: 10.97%
Peer Median: 15.91%
#2038 of 2643 Bottom 22.9% in $100M-$1B
2022
Loan-to-Deposit Ratio
liquidity
Value: 91.38%
Peer Median: 77.95%
#2022 of 2643 Bottom 23.5% in $100M-$1B
2020
Non-Interest-Bearing Deposit Share
funding
Value: 14.81%
Peer Median: 22.03%
#2020 of 2643 Bottom 23.6% in $100M-$1B
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