American Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 29th of 105 on return on assets, 1.29% as of Q2 2026, above the middle of the field. At 1.29%, American Community Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.37% |
| Equity capital to assets | 13.26% |
| Tangible equity to tangible assets | 13.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 10.19% |
| Net interest margin | 4.87% |
| Efficiency ratio | 65.77% |
| Yield on earning assets | 6.37% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.46% |
| Core deposits to total deposits | 93.96% |
| Brokered deposits to total deposits | 1.94% |
| Deposits to assets | 81.35% |
| Securities to assets | 7.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.06% | 0.72% | 4.20% | 0.00% | 0.01% |
| Q4 2023 | 13.74% | 0.30% | 4.21% | 0.00% | -0.02% |
| Q1 2024 | 13.27% | 0.78% | 4.27% | 0.00% | 0.00% |
| Q2 2024 | 13.15% | 0.62% | 4.08% | 0.00% | 0.04% |
| Q3 2024 | 13.31% | 1.26% | 4.31% | 0.00% | 0.00% |
| Q4 2024 | 13.31% | 1.07% | 4.29% | 0.00% | 0.00% |
| Q1 2025 | 13.03% | 1.02% | 4.34% | 0.00% | 0.00% |
| Q2 2025 | 13.27% | 1.01% | 4.42% | 0.00% | 0.00% |
| Q3 2025 | 13.16% | 1.06% | 4.64% | 0.00% | 0.02% |
| Q4 2025 | 12.60% | 1.03% | 4.44% | 0.00% | -0.00% |
| Q1 2026 | 12.54% | 0.93% | 4.44% | 0.00% | 0.00% |
| Q2 2026 | 13.37% | 1.29% | 4.87% | 0.00% | 0.00% |
American Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)