American Community Bank of Indiana
Also written as ACB of Indiana
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Data as of · sourced from FFIEC call reports. How we update
American Community Bank of Indiana is an FDIC-insured commercial bank headquartered in Saint John, IN, established in 1910 (FDIC certificate 29878), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $383.0M, little changed from Q2 2025, the 54th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 10.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29878
- Headquarters
- Saint John, IN
- Established
- 1910
- Total assets, Q2 2026
- $383.0M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 10.97%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 271974017
- Latest call report
- Q2 2026, FFIEC 051 · American Community Bank of Indiana Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- AMB FINANCIAL CORP.
- Asset rank in state
- 54th of 87 in Indiana
Problem loans are rising at American Community Bank of Indiana. Based in Saint John, Indiana, it had $383 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.33% of loans from 0.95% a year earlier. It holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also carries problem assets equal to 20.6% of the capital and reserves that would absorb them, 7.7 times the median of 2.7% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 11.0% and deposits fell 0.7%. The commercial and industrial book ($56 million) is worsening: 7.01% of it is past due or on nonaccrual, up from 1.06% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, American Community Bank of Indiana reported a CET1 capital ratio of 10.97%, a return on assets of 1.01%, a nonperforming-loan ratio of 2.33% and a Texas ratio of 20.55%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Community Bank of Indiana is the 54th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $383.0M, loans rose 2.9% and deposits rose 1.7%. 1-4 family residential loans made up 30.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IN; its Saint John office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Community Bank of Indiana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7880 Wicker Ave, Saint John, IN 46373
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- American Savings, FSB (1987-2014)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $344.8M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $372.1M
- Average total loans
- $314.3M
- Average interest-bearing deposits
- $265.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29878
- Fed RSSD
- 1010574
- SEC CIK
- 915393 → filed by AMB FINANCIAL CORP.
- Website
- www.acbanker.com →
- Parent Holding Company
- AMB FINANCIAL CORP. (RSSD 3848267)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Community Bank of Indiana's total assets ranged from $334.6M (Q3 2023) to $389.8M (Q3 2025), 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
$383.0M total assets against $383.0M; $347.1M total liabilities against $349.6M.
$315.1M net loans and leases against $284.4M; $344.8M total deposits against $347.1M.
$26.4M securities against $20.1M; $22.4M cash and balances due against $60.6M.
$5.4M total interest income against $5.3M; $1.8M total interest expense against $2.1M.
$3.7M net interest income against $3.1M.
$497K total noninterest income against $396K; $2.2M total noninterest expense against $2.2M.
$687K provision for credit losses against $255K.
$942K net income against $783K.
1.01% return on assets against 0.85%; 4.15% net interest margin against 3.53%.
10.97% CET1 capital ratio against 11.78%; 9.83% tier 1 leverage ratio against 9.29%.
Inside the full American Community Bank of Indiana 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Community Bank of Indiana rankings
Its closest position to the top of a national ranking is 157 of 3,640, for Texas Ratio; its furthest is 1,960 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.17% (Q1 2026) and its net interest margin ran from 2.93% (Q3 2024) to 4.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 1.01% | 2.33% | 20.55% | 4.15% |
| Q1 2026 | 11.13% | 1.17% | 2.28% | 20.52% | 3.83% |
| Q4 2025 | 11.01% | 1.07% | 2.20% | 20.91% | 4.07% |
| Q3 2025 | 11.79% | 1.07% | 1.27% | 10.88% | 3.53% |
| Q2 2025 | 11.78% | 0.85% | 0.95% | 7.46% | 3.53% |
| Q1 2025 | 11.79% | 0.95% | 0.81% | 6.38% | 3.15% |
| Q4 2024 | 11.28% | 1.00% | 0.82% | 6.71% | 3.20% |
| Q3 2024 | 11.15% | 0.69% | 0.92% | 7.55% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 of Indiana (main office) | Saint John , IN | 46373 | $125.4M |
| Old Main Office Br | Munster , IN | 46321 | $121.2M |
| Dyer Branch | Dyer , IN | 46311 | $55.6M |
| Crown Point Branch | Crown Point , IN | 46307 | $22.3M |
| Hammond Branch | Hammond , IN | 46327 | $20.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- June 19, 1991, OCC (former OTS): Supervisory Agreement: American Savings, FSB
- Period: Most recent institution action June 19, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 68 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 105 applications, 102 loans originated, $31.1M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.6M approved, $661K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 of Indiana
What are American Community Bank of Indiana's total assets?
As of the Q2 2026 filing, American Community Bank of Indiana reported total assets of $383.0 million in its FFIEC call report.
Where is American Community Bank of Indiana headquartered?
It is headquartered in Saint John, IN, United States.
When was American Community Bank of Indiana founded?
It was established in 1910, per the FDIC institution directory.
Is American Community Bank of Indiana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29878). 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 of Indiana?
American Community Bank of Indiana's primary federal regulator is the FDIC.
What is American Community Bank of Indiana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Community Bank of Indiana operate?
It operates 5 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 of Indiana's Texas Ratio?
Its Texas Ratio is 20.55% 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.
What was American Community Bank of Indiana previously called?
The charter now named American Community Bank of Indiana has also operated as American Savings, FSB (1987-2014), per FDIC structure-change records.
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