American Community Bank of Indiana: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at American Community Bank of Indiana. Based in Saint John, Indiana, it had $383 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.33% of loans from 0.95% a year earlier. It holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 20.6% of the capital and reserves that would absorb them, 7.8 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 11.0% and deposits fell 0.7%. The commercial and industrial book ($56 million) is worsening: 7.01% of it is past due or on nonaccrual, up from 1.06% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, American Community Bank of Indiana reported a CET1 capital ratio of 10.97%, a return on assets of 1.01%, a nonperforming-loan ratio of 2.33% and a Texas ratio of 20.55%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 7880 Wicker Ave, Saint John, IN 46373
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- American Savings, FSB (1987-2014)
- Offices
- 5 domestic
- Employees (FTE)
- 42
- Domestic deposits
- $344.8M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $372.1M
- Average total loans
- $314.3M
- Average interest-bearing deposits
- $265.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29878
- Fed RSSD
- 1010574
- SEC CIK
- 915393 → filed by AMB FINANCIAL CORP.
- Website
- www.acbanker.com →
- Parent Holding Company
- AMB FINANCIAL CORP. (RSSD 3848267)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Community Bank of Indiana terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Community Bank of Indiana, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Community Bank of Indiana rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Community Bank of Indiana: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 1.01% | 2.33% | 20.55% | 4.15% |
| Q1 2026 | 11.13% | 1.17% | 2.28% | 20.52% | 3.83% |
| Q4 2025 | 11.01% | 1.07% | 0.95% | 20.91% | 4.07% |
| Q3 2025 | 11.79% | 1.07% | 1.27% | 10.88% | 3.53% |
| Q2 2025 | 11.78% | 0.85% | 0.95% | 7.46% | 3.53% |
| Q1 2025 | 11.79% | 0.95% | 0.81% | 6.38% | 3.15% |
| Q4 2024 | 11.28% | 1.00% | 0.82% | 6.71% | 3.20% |
| Q3 2024 | 11.15% | 0.69% | 0.90% | 7.55% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Community Bank of Indiana (main office) | Saint John , IN | 46373 | $125.4M |
| Old Main Office Br | Munster , IN | 46321 | $121.2M |
| Dyer Branch | Dyer , IN | 46311 | $55.6M |
| Crown Point Branch | Crown Point , IN | 46307 | $22.3M |
| Hammond Branch | Hammond , IN | 46327 | $20.3M |
Regulatory record
What the public regulatory sources show for American Community Bank of Indiana, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- June 19, 1991, OCC (former OTS): Supervisory Agreement: American Savings, FSB
- Period: Most recent institution action June 19, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 68 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 105 applications, 102 loans originated, $31.1M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.6M approved, $661K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Community Bank of Indiana
What are American Community Bank of Indiana's total assets?
As of the Q2 2026 filing, American Community Bank of Indiana reported total assets of $383.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Community Bank of Indiana headquartered?
American Community Bank of Indiana is headquartered in Saint John, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Community Bank of Indiana founded?
American Community Bank of Indiana was established in 1910, per the FDIC institution directory.
Is American Community Bank of Indiana FDIC-insured?
Yes. American Community Bank of Indiana is an FDIC-insured commercial bank (FDIC Certificate #29878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Community Bank of Indiana?
American Community Bank of Indiana's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Community Bank of Indiana's CET1 capital ratio?
American Community Bank of Indiana reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Community Bank of Indiana operate?
American Community Bank of Indiana operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Community Bank of Indiana's Texas Ratio?
American Community Bank of Indiana's Texas Ratio is 20.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was American Community Bank of Indiana previously called?
The charter now named American Community Bank of Indiana has also operated as American Savings, FSB (1987-2014), per FDIC structure-change records.
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