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Americana Community Bank

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

Sleepy Eye, MN

4 branches across MN

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 151 in MN.
  • Deposits +3.7% year over year ($152.7M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 0.62%.
  • Efficiency ratio 75.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.59% 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 151 in MN
View $100M-$1B leaderboard (MN) →

Americana Community Bank has 2 strengths but faces 5 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 0.32% above tier average
  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 10.6% in tier
  • - Liquidity Strain: Bottom 14.9% in tier
  • - Credit Risk Growth: Bottom 36.5% in tier
  • - ROA 0.70% below tier average
  • - Efficiency Ratio 11.46% above tier average
Get updates when Americana Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $179.9M
-0.5% YoY +0.5% QoQ
-$206.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $141.4M
+2.6% YoY +0.7% QoQ
-$116.9M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $152.7M
+3.7% YoY +3.8% QoQ
-$174.0M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 0.62%
+9.9% YoY -13.5% QoQ
-0.70% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 4.30%
+10.7% YoY -0.1% QoQ
+0.32% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 75.94%
-1.7% YoY -0.7% QoQ
+11.46% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.60%
-0.8% QoQ
-0.32% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 92.59%
-1.0% YoY -3.0% QoQ
+14.64% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 15.07%
-5.2% YoY -7.3% QoQ
-6.97% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.47%
-0.6% QoQ
-0.20% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 11.66%
-8.3% YoY -0.1% QoQ
-4.25% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.12%
+2.3% YoY +112.3% QoQ
-0.44% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
27%

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 (MN) National Avg Tier Percentile
Noninterest-Bearing 15.1%
-0.8pp YoY
-1.2pp QoQ
 -7.1pp 22.1% 21.9% 22.2% 24%
Brokered Deposits 3.4%
0.0pp YoY
 -4.5pp 7.9% 8.3% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 17.1%
+1.9pp YoY
-0.2pp QoQ
 +5.6pp 11.6% 14.6% 12.5% 82%
CRE 51.8%
-1.4pp YoY
-0.4pp QoQ
 +12.2pp 39.5% 36.5% 41.4% 73%
1-4 Family 10.2%
+0.9pp YoY
+1.4pp QoQ
 -22.4pp 32.6% 29.4% 31.3% 11%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.5% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 11.7%
+0.6pp YoY
0.0pp QoQ
 -0.5pp 12.2% 11.0% 12.6% 60%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 31
-3 (-8.8%) YoY
0 QoQ
 -28 58 55 482 28%
Assets per Employee ($) $5.8M
+9.2% YoY
+0.5% QoQ
 -$1.7M $7.5M $8.6M $8.8M 29%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.6%
+0.6pp YoY
0.0pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 58%
Allowance Coverage 1.58x
-94.7% YoY
+7.3% QoQ
 -22.58x 24.15x 20.41x 20.23x 40%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 5.7%
0.0pp YoY
-0.9pp QoQ
 -6.5pp 12.2% 13.1% 11.6% 16%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 51%
Net Income ($, YTD) $550,000
+8.7% YoY
— QoQ
 -$2.0M $2.6M $4.5M $40.4M 12%

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)

Flatlined Growth

risk
#57 of 529 • Bottom 10.6% 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: 0.62%
(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
#104 of 691 • Bottom 14.9% 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: 92.59%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#343 of 936 • Bottom 36.5% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 (6 metrics)

2229
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.32%
#2229 of 2643 Bottom 15.7% in $100M-$1B
2146
Efficiency Ratio
profitability
Value: 75.94%
Peer Median: 64.48%
#2146 of 2643 Bottom 18.8% in $100M-$1B
2083
Total Assets
size
Value: $179.87M
Peer Median: $386.57M
#2083 of 2643 Bottom 21.2% in $100M-$1B
2082
Loan-to-Deposit Ratio
liquidity
Value: 92.59%
Peer Median: 77.95%
#2082 of 2643 Bottom 21.3% in $100M-$1B
2057
Total Deposits
size
Value: $152.74M
Peer Median: $326.73M
#2057 of 2643 Bottom 22.2% in $100M-$1B
1991
Non-Interest-Bearing Deposit Share
funding
Value: 15.07%
Peer Median: 22.03%
#1991 of 2643 Bottom 24.7% in $100M-$1B
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