Bank call report · Glen Cove, NY
American Community Bank Call Report
BankRegReports is independent of American Community Bank and never asks for online banking logins or passwords.
American Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 225 reported line items, schedule by schedule (445 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2871558 |
| FDIC certificate number | 35033 |
| Total assets | $306.5M |
Official Q2 2026 call report PDF (FFIEC) →
American Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · American Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $306.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $306.5M |
| Total Liabilities and Minority Interest | RCON2948 | $265.9M |
| Total Deposits | RCON2200 | $249.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $247.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $244.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $172.4M |
| Deposits: Noninterest-bearing | RCON6631 | $77.0M |
| Total Equity Capital | RCON3210 | $40.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $40.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $23.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $21.4M |
| Interest-bearing Balances | RCON0071 | $14.0M |
| Other Liabilities, Total | RCON2930 | $13.4M |
| Surplus | RCON3839 | $10.8M |
| Common Stock | RCON3230 | $9.8M |
| Other Assets | RCON2160 | $9.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.3M |
| Other Borrowed Money | RCON3190 | $3.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.0M |
| Loans and Leases Held for Sale | RCON5369 | $2.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.4M |
| Federal Funds Sold | RCONB987 | $973K |
Schedule RI: Income Statement (35 items)
About Schedule RI · American Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.3M |
| Net Interest Income | RIAD4074 | $6.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.5M |
| Total Noninterest Expense | RIAD4093 | $5.1M |
| Salaries and Employee Benefits | RIAD4135 | $2.9M |
| Total Interest Expense | RIAD4073 | $2.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.8M |
| Net Income (Loss) | RIAD4340 | $1.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.6M |
| Other Noninterest Expense | RIAD4092 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $944K |
| Applicable Income Taxes | RIAD4302 | $487K |
| Total Noninterest Income | RIAD4079 | $444K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $436K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $323K |
| Interest on Other Securities | RIAD4060 | $305K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $297K |
| Other Noninterest Income | RIADB497 | $256K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $234K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $134K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $128K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $89K |
| Provision for Loan and Lease Losses | RIAD4230 | $75K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $75K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $61K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $54K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $41K |
| Other Interest Income | RIAD4518 | $22K |
| Other Interest Expense | RIADGW44 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 48 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · American Community Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $3.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $3.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $558K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $533K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $2.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $2.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $24.8M |
| Pledged Securities | RCON0416 | $15.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $12.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $11.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $2.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.0M |
Schedule RC-C, Part I: Loans and Leases (24 items)
About Schedule RC-C, Part I · American Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $250.5M |
| Pledged Loans and Leases | RCONG378 | $157.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $95.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $92.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $74.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $58.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $45.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $34.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $33.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $26.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $19.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $19.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $10.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $8.3M |
| Commercial and Industrial Loans | RCON1766 | $6.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $611K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $534K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $217K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $161K |
| Other Loans | RCONJ464 | $120K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $5K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $50.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $2.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $711K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $401K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $223K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 110 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 7 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 6 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 3 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · American Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $155.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $140.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $111.9M |
| Total Transaction Accounts | RCON2215 | $93.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $91.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $77.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $18.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $15.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $12.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $12.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.2M |
| Total reciprocal deposits | RCONJH83 | $9.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $9.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $8.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $6.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $6.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $5.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $5.5M |
| Total Brokered Deposits | RCON2365 | $4.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $4.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $2.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $2.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $372K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $6K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.5M |
| Net Deferred Tax Assets | RCON2148 | $1.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.2M |
| Accrued Interest Receivable | RCONB556 | $1.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $512K |
| Other Assets | RCON2168 | $486K |
| Prepaid Expenses | RCON2166 | $247K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $13.4M |
| Operating lease liabilities | RCONLB56 | $9.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $36K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $3K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · American Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $314.7M |
| Quarterly Average of Total Loans | RCON3360 | $250.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $194.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $130.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $48.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $15.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $14.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $13.5M |
| All Other Securities | RCONB560 | $12.0M |
| Mortgage-backed Securities | RCONB559 | $7.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $6.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $6.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · American Community Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $12.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $10.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $6.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.6M |
| Performance Standby Letters of Credit | RCON3821 | $1.0M |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · American Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $3.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $3.1M |
| Outstanding balance of PPP loans | RCONLG27 | $62K |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · American Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $314.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $249.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $151.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $95.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $40.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $289K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,370 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 194 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 94 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · American Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $314.7M |
| Average total consolidated assets | RCOAKW03 | $314.7M |
| Total Assets | RCOA2170 | $306.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $42.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $42.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $42.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $40.7M |
| Retained Earnings | RCOAKW00 | $21.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $20.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $17.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $16.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.4M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1337 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0565 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $40.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $39.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $39.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $858K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $413K |
| Other Comprehensive Income | RIADB511 | $77K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · American Community Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · American Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $33.4M |
American Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the American Community Bank call report?
The American Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does American Community Bank file?
American Community Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the American Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: American Community Bank has Federal Reserve RSSD ID 2871558 and FDIC certificate number 35033. Either one finds its filings on the FFIEC Central Data Repository.
How often does American Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
American Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35033) · FFIEC NIC profile (RSSD 2871558)