AMERICAN COMMUNITY BANK

GLEN COVE, NY | Small | Est. Jan. 10, 2000, midnight | FDIC #35033 | RSSD #2871558 | FDIC
Latest Report: 2025-12-31

AMERICAN COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in GLEN COVE, NY, established in Jan. 10, 2000, midnight. As of 2025-12-31, the bank reported total assets of $321M and total deposits of $262M. Profitability stands at 1.08% ROA and 8.64% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 12.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #35033.

Assets

$321M

Deposits

$262M

Loans

$238M

Equity

$39M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 8.64%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.55%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 12.21%
Tier 1 Capital 12.21%
Total Capital Ratio 12.82%
Leverage Ratio 12.60%
Loan-to-Deposit 90.80%

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