American Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 8.22 percentage points in Q2 2026, from 92.24% to 100.46%. It was the largest change from Q1 2026 among the key lines here. Within New York, American Community Bank is 16th of 105 on loan-to-deposit ratio, 100.46% as of Q2 2026, above the middle of the field. American Community Bank reported 100.46% on loan-to-deposit ratio for Q2 2026, 19.51 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $250.5M |
| Net loans and leases | $247.5M |
| Loans held for sale | $2.9M |
| Loans to total assets | 81.72% |
| Loan-to-deposit ratio | 100.46% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.38% |
| Multifamily (5+ residential) | 23.50% |
| Commercial and industrial | 2.66% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.60% |
| Construction concentration (Tier 1 capital + allowance) | 1.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $195.9M | $195.6M | 57.03% | 1.53% | 0.01% |
| Q4 2023 | $204.3M | $197.6M | 54.82% | 1.68% | 0.01% |
| Q1 2024 | $215.2M | $201.8M | 54.56% | 1.70% | 0.01% |
| Q2 2024 | $219.4M | $207.0M | 54.90% | 1.59% | 0.01% |
| Q3 2024 | $221.3M | $227.7M | 56.77% | 1.63% | 0.68% |
| Q4 2024 | $225.7M | $216.7M | 52.50% | 2.02% | 0.00% |
| Q1 2025 | $235.4M | $238.6M | 53.81% | 2.10% | 0.00% |
| Q2 2025 | $236.3M | $234.8M | 53.75% | 2.41% | 0.00% |
| Q3 2025 | $240.1M | $239.0M | 52.18% | 2.26% | 0.00% |
| Q4 2025 | $238.0M | $262.1M | 52.39% | 2.12% | 0.00% |
| Q1 2026 | $244.8M | $265.4M | 52.22% | 2.32% | 0.00% |
| Q2 2026 | $250.5M | $249.4M | 51.38% | 2.66% | 0.00% |
American Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35033) · FFIEC NIC profile (RSSD 2871558)