AMERICAN COMMUNITY BANK OF INDIANA
AMERICAN COMMUNITY BANK OF INDIANA is an FDIC-insured commercial bank headquartered in SAINT JOHN, IN, established in 1910. As of , 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 4.08%. CET1 capital ratio: 11.01%, well above regulatory minimums. NPL ratio: 0.95% · Texas Ratio: 10.64%. Operates 5 domestic branches.
Capital & Liquidity
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American Community Bank of Indiana rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 11.01% | 1.05% | 0.95% | 10.64% | 4.08% |
| 2025-09-30 | 11.79% | 1.07% | 1.27% | 10.88% | 3.54% |
| 2025-06-30 | 11.78% | 0.83% | 0.95% | 7.46% | 3.54% |
| 2025-03-31 | 11.79% | 0.96% | 0.81% | 6.38% | 3.17% |
| 2024-12-31 | 11.28% | 1.01% | 0.82% | 6.71% | 3.22% |
| 2024-09-30 | 11.15% | 0.67% | 0.90% | 7.38% | 2.95% |
| 2024-06-30 | 10.81% | 0.72% | 0.78% | 6.65% | 3.40% |
| 2024-03-31 | 10.77% | 0.69% | 0.73% | 6.52% | 3.21% |
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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 Q4 2025 filing, American Community Bank of Indiana reported total assets of $380.9 million in its most recent 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 required of all FDIC-insured commercial banks.
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 11.01% in its most recent quarterly filing — above regulatory minimums.
How many branches does American Community Bank of Indiana operate?
American Community Bank of Indiana operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is American Community Bank of Indiana's Texas Ratio?
American Community Bank of Indiana's Texas Ratio is 10.64% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.