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Americana Community Bank

$100M-$1B Specialty: Commercial MN FDIC cert 8205

Sleepy Eye, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Americana Community Bank has 2 strengths 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

  • + Net Interest Margin 0.38% above tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 25.4% in tier
  • - Liquidity Strain: Bottom 30.2% in tier
  • - Deposit Outflow: Bottom 39.1% in tier
  • - Credit Risk Growth: Bottom 40.7% in tier
  • - Capital Constraint: Bottom 50.0% in tier
  • - ROA 0.55% below tier average
  • - Efficiency Ratio 11.17% above tier average
Get updates when Americana Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $179.0M
+0.7% YoY +2.6% QoQ
-$207.1M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
21%
Total Loans ? $140.4M
+4.2% YoY +4.5% QoQ
-$115.3M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
33%
Total Deposits ? $147.2M
-3.5% YoY -4.8% QoQ
-$180.8M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
20%
Return on Assets ? 0.72%
+29.7% YoY +24.5% QoQ
-0.55% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
22%
Net Interest Margin ? 4.31%
+14.5% YoY +9.0% QoQ
+0.38% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
74%
Efficiency Ratio ? 76.46%
-3.4% YoY -1.0% QoQ
+11.17% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
20%
Delinquency Rate ? 0.61%
-4.9% QoQ
-0.28% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
40%
Loan-to-Deposit Ratio ? 95.40%
+8.0% YoY +9.8% QoQ
+18.77% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
15%
Non-Interest-Bearing Deposit Share ? 16.26%
-0.0% YoY -1.0% QoQ
-5.76% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
28%
Nonperforming Asset Ratio ? 0.48%
-3.2% QoQ
-0.16% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
39%
Tier 1 Capital Ratio ? 11.67%
-9.6% YoY +1.5% QoQ
-4.16% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.06%
-3.4% YoY -77.2% QoQ
-0.22% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
25%

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 (5)

Flatlined Growth

risk
#131 of 512 • Bottom 25.4% 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: 0.72%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Liquidity Strain

risk
#195 of 643 • Bottom 30.2% 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: 95.40%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Deposit Outflow

decline
#199 of 506 • Bottom 39.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

Credit Risk Growth

risk
#397 of 973 • Bottom 40.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Capital Constraint

risk
#55 of 108 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 95.40%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 11.67%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2264
Loan-to-Deposit Ratio
liquidity
Value: 95.40%
Peer Median: 76.64%
#2264 of 2664 Bottom 15.1% in $100M-$1B
2130
Efficiency Ratio
profitability
Value: 76.46%
Peer Median: 65.29%
#2130 of 2664 Bottom 20.1% in $100M-$1B
2120
Total Deposits
size
Value: $147.15M
Peer Median: $327.97M
#2120 of 2664 Bottom 20.5% in $100M-$1B
2096
Total Assets
size
Value: $178.99M
Peer Median: $386.08M
#2096 of 2664 Bottom 21.4% in $100M-$1B
2092
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.27%
#2092 of 2664 Bottom 21.5% in $100M-$1B
2005
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.28%
#2005 of 2664 Bottom 24.8% in $100M-$1B
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