AMERICAN COMMUNITY BANK OF INDIANA

SAINT JOHN, IN | Small | Est. Jan. 1, 1910, midnight | FDIC #29878 | RSSD #1010574 | FDIC
Latest Report: 2025-12-31

AMERICAN COMMUNITY BANK OF INDIANA is asn small FDIC-insured commercial bank headquartered in SAINT JOHN, IN, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $381M and total deposits of $343M. Profitability stands at 1.05% ROA and 11.87% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 11.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 10.64%. FDIC Certificate #29878.

Assets

$381M

Deposits

$343M

Loans

$307M

Equity

$34M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 11.87%
Net Interest Margin (NIM) 4.18%
Yield on Assets 6.41%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 0.10%
Texas Ratio 10.64%
NPA Ratio 1.04%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.01%
Tier 1 Capital 11.01%
Total Capital Ratio 12.20%
Leverage Ratio 9.07%
Loan-to-Deposit 89.39%

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