BlastPoint's Banking Scorecard

American Community Bank of Indiana

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

Saint John, IN

5 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

American Community Bank of Indiana has 1 strength but faces 7 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 3.59% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 32.1% in tier
- Liquidity Strain: Bottom 44.0% in tier
- Flatlined Growth: Bottom 49.6% in tier
- Delinquency Rate 1.42% above tier average
- Nonperforming Asset Ratio 1.45% above tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.07% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$376.5M +0.4% YoY -1.1% QoQ	-$9.5M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$306.8M +10.9% YoY +1.2% QoQ	+$51.1M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$339.1M -0.4% YoY -1.1% QoQ	+$11.1M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.17% +21.1% YoY +18.7% QoQ	-0.10%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.86% +19.3% YoY +6.9% QoQ	-0.07%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	61.69% -11.5% YoY +0.1% QoQ	-3.59%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	2.31% +181.3% YoY +3.6% QoQ	+1.42%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	90.47% +11.3% YoY +2.3% QoQ	+13.83%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	14.95% +3.7% YoY -0.3% QoQ	-7.07%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	2.09% +245.6% YoY +2.0% QoQ	+1.45%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 6.2% in tier
Tier 1 Capital Ratio ?	11.13% -5.6% YoY +1.1% QoQ	-4.70%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.11% +39.6% YoY -70.4% QoQ	-0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#215 of 666 • Bottom 32.1% 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: 11.13%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#284 of 643 • Bottom 44.0% 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: 90.47%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Flatlined Growth

risk

#255 of 512 • Bottom 49.6% 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: 1.17%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2500

Nonperforming Asset Ratio

credit_quality

Value: 2.09%

Peer Median: 0.64%

#2500 of 2664 Bottom 6.2% in $100M-$1B

2399

Delinquency Rate

credit_quality

Value: 2.31%

Peer Median: 0.89%

#2399 of 2654 Bottom 9.6% in $100M-$1B

2042

Loan-to-Deposit Ratio

liquidity

Value: 90.47%

Peer Median: 76.64%

#2042 of 2664 Bottom 23.4% in $100M-$1B

2023

Non-Interest-Bearing Deposit Share

funding

Value: 14.95%

Peer Median: 22.02%

#2023 of 2664 Bottom 24.1% in $100M-$1B

2008

Tier 1 Capital Ratio

capital

Value: 11.13%

Peer Median: 15.83%

#2008 of 2664 Bottom 24.7% in $100M-$1B