American Community Bank
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Data as of · sourced from FFIEC call reports. How we update
American Community Bank is an FDIC-insured commercial bank headquartered in Glen Cove, NY, established in 2000 (FDIC certificate 35033), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $306.5M, up 5.5% from Q2 2025, the 82nd largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.37% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35033
- Headquarters
- Glen Cove, NY
- Established
- 2000
- Total assets, Q2 2026
- $306.5M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 13.37%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 021413388
- Latest call report
- Q2 2026, FFIEC 051 · American Community Bank call report
- Holding company
- AMERICAN COMMUNITY BANCORP, INC.
- Asset rank in state
- 82nd of 105 in New York
American Community Bank earns an unusually wide margin on its lending. Its balance sheet stood at $307 million at June 30, 2026, up 5.5% from a year earlier; it is based in Glen Cove, New York. It keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.0 million, 37% above the same quarter a year earlier.
As of June 30, 2026, American Community Bank reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Community Bank is the 82nd largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets fell 5.6% to $306.5M, loans rose 2.3% and deposits fell 6.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.9% of total loans, ahead of multifamily loans at 23.5%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in NY; its Glen Cove office books 48% of its branch deposits. Judged on its Q2 2026 call report, American Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Glen St, Glen Cove, NY 11542
- County
- Nassau
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 10, 2000
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $249.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $314.7M
- Average total loans
- $250.3M
- Average interest-bearing deposits
- $172.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 10, 2000
- FDIC Cert
- 35033
- Fed RSSD
- 2871558
- SEC CIK
- 1501944 → filed by AMERICAN COMMUNITY BANCORP, INC.
- Website
- www.acbalways.com →
- Parent Holding Company
- AMERICAN COMMUNITY BANCORP, INC. (RSSD 4111584)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Community Bank's total assets ranged from $246.9M (Q3 2023) to $324.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$306.5M total assets against $290.7M; $265.9M total liabilities against $253.8M.
$247.5M net loans and leases against $233.5M; $249.4M total deposits against $234.8M.
$23.0M securities against $22.6M; $17.2M cash and balances due against $15.8M.
$4.7M total interest income against $4.2M; $1.1M total interest expense against $1.2M.
$3.6M net interest income against $3.0M.
$221K total noninterest income against $244K; $2.5M total noninterest expense against $2.2M.
$0 provision for credit losses against $75K.
$1.0M net income against $741K.
1.29% return on assets against 1.01%; 4.87% net interest margin against 4.42%.
13.37% tier 1 leverage ratio against 13.27%.
Inside the full American Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Community Bank rankings
Its closest position to the top of a national ranking is 1,776 of 3,611, for ROA; its furthest is 3,468 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2026) to 1.29% (Q2 2026) and its net interest margin ran from 4.29% (Q4 2024) to 4.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.37% | 1.29% | 0.00% | 0.00% | 4.87% |
| Q1 2026 | 12.54% | 0.93% | 0.00% | 0.00% | 4.44% |
| Q4 2025 | 12.60% | 1.03% | 0.00% | 0.00% | 4.44% |
| Q3 2025 | 13.16% | 1.06% | 0.00% | 0.00% | 4.64% |
| Q2 2025 | 13.27% | 1.01% | 0.00% | 0.00% | 4.42% |
| Q1 2025 | 13.03% | 1.02% | 0.00% | 0.00% | 4.34% |
| Q4 2024 | 13.31% | 1.07% | 0.00% | 0.00% | 4.29% |
| Q3 2024 | 13.31% | 1.26% | 0.00% | 0.00% | 4.31% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Community Bank (main office) | Glen Cove , NY | 11542 | $119.9M |
| Mineola Branch | Mineola , NY | 11501 | $52.2M |
| Commack Branch | Commack , NY | 11725 | $47.6M |
| Hillside Avenue Branch Office | New Hyde Park , NY | 11040 | $18.0M |
| Syosset Branch | Syosset , NY | 11791 | $7.2M |
| Oyster Bay Branch | Oyster Bay , NY | 11771 | $4.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 123 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 39 loans originated, $24.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Community Bank
What are American Community Bank's total assets?
As of the Q2 2026 filing, American Community Bank reported total assets of $306.5 million in its FFIEC call report.
Where is American Community Bank headquartered?
It is headquartered in Glen Cove, NY, United States.
When was American Community Bank founded?
It was established in 2000, per the FDIC institution directory.
Is American Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35033). 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?
American Community Bank's primary federal regulator is the FDIC.
How many branches does American Community Bank operate?
It operates 6 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's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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