American Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Community Bank of Glen Cove, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.34% | -0.05% | 52nd above |
| ROAE | 10.19% | 13.32% | -3.13% | 37th below |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 90th top |
| Efficiency Ratio | 65.77% | 61.14% | +4.63% | 37th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.65% | 1.68% | -0.03% | 54th above |
| Yield on Earning Assets | 6.37% | 5.67% | +0.70% | 83rd top |
| Cost of Funds | 1.73% | 1.88% | -0.15% | 54th above |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 7500.00% | 1392.73% | +6107.27% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.37% | 12.14% | +1.23% | 77th top |
| Equity / Assets | 13.26% | 11.37% | +1.89% | 80th top |
| TCE / Tangible Assets | 13.26% | 11.09% | +2.17% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.46% | 80.63% | +19.83% | 11th bottom |
| Core Deposit Ratio | 93.96% | 86.86% | +7.10% | 79th top |
| Wholesale Funding Ratio | 1.01% | 5.03% | -4.02% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 6.85% | -1.40% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.02% | 7.90% | -1.88% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.21% | 6.29% | -0.08% | 66th above |
See American Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Community Bank profile, how to read a UBPR, or how this data updates.