AMERICANA COMMUNITY BANK

SLEEPY EYE, MN | Small | Est. Jan. 1, 1881, midnight | FDIC #8205 | RSSD #201254 | FDIC
Latest Report: 2025-12-31

AMERICANA COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in SLEEPY EYE, MN, established in Jan. 1, 1881, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $155M. Profitability stands at 0.52% ROA and 4.87% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 10.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 4.23%. FDIC Certificate #8205.

Assets

$174M

Deposits

$155M

Loans

$136M

Equity

$19M

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 4.87%
Net Interest Margin (NIM) 4.17%
Yield on Assets 6.07%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.31%
Texas Ratio 4.23%
NPA Ratio 0.49%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 10.89%
Tier 1 Capital 10.89%
Total Capital Ratio 11.43%
Leverage Ratio 11.50%
Loan-to-Deposit 87.72%

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