Bank call report · Saint John, IN
American Community Bank of Indiana Call Report
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American Community Bank of Indiana filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 319 reported line items, schedule by schedule (751 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 | 1010574 |
| FDIC certificate number | 29878 |
| Total assets | $383.0M |
Official Q2 2026 call report PDF (FFIEC) →
American Community Bank of Indiana 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 of Indiana balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $383.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $383.0M |
| Total Liabilities and Minority Interest | RCON2948 | $347.1M |
| Total Deposits | RCON2200 | $344.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $318.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $314.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $293.7M |
| Deposits: Noninterest-bearing | RCON6631 | $51.1M |
| Total Equity Capital | RCON3210 | $35.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $35.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $27.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $26.4M |
| Interest-bearing Balances | RCON0071 | $19.7M |
| Other Assets | RCON2160 | $9.0M |
| Surplus | RCON3839 | $8.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.7M |
| Other Liabilities, Total | RCON2930 | $2.3M |
| Loans and Leases Held for Sale | RCON5369 | $1.0M |
| Other Real Estate Owned | RCON2150 | $791K |
| Accumulated Other Comprehensive Income | RCONB530 | -$688K |
| Intangible Assets | RCON2143 | $629K |
| Common Stock | RCON3230 | $11K |
Schedule RI: Income Statement (38 items)
About Schedule RI · American Community Bank of Indiana income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.8M |
| Net Interest Income | RIAD4074 | $7.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.0M |
| Total Noninterest Expense | RIAD4093 | $4.6M |
| Total Interest Expense | RIAD4073 | $3.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.7M |
| 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 | $2.7M |
| Salaries and Employee Benefits | RIAD4135 | $2.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.0M |
| Net Income (Loss) | RIAD4340 | $2.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.8M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Total Noninterest Income | RIAD4079 | $902K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $804K |
| Applicable Income Taxes | RIAD4302 | $694K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $683K |
| Provision for Loan and Lease Losses | RIAD4230 | $672K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $424K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $403K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $374K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $342K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $308K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $297K |
| Other Noninterest Income | RIADB497 | $284K |
| Net Servicing Fees | RIADB492 | $116K |
| Other Interest Income | RIAD4518 | $111K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $107K |
| Interest on Other Securities | RIAD4060 | $107K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $101K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $91K |
| Other Interest Expense | RIADGW44 | $56K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $32K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $13K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 42 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · American Community Bank of Indiana securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $11.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $10.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $1.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $1.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $27.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $11.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $8.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $8.2M |
| 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 | $5.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.2M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $3.1M |
| 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 | $3.1M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $3.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.0M |
| 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 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $2.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $900K |
| 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 | $252K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $250K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $249K |
| 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 | $249K |
| 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 Three Years Through Five Years | RCONA558 | $171K |
| 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 Three Months Through 12 Months | RCONA556 | $38K |
| 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 One Year Through Three Years | RCONA557 | $25K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $8K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · American Community Bank of Indiana loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $319.2M |
| Pledged Loans and Leases | RCONG378 | $138.7M |
| 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 Three Months or Less | RCONA570 | $93.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $79.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $79.3M |
| 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 Over Three Years Through Five Years | RCONA573 | $64.2M |
| Commercial and Industrial Loans | RCON1766 | $55.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $53.8M |
| 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 | $52.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $51.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $27.7M |
| 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 Five Years Through 15 Years | RCONA574 | $23.6M |
| 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 15 Years | RCONA569 | $21.4M |
| 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 | $19.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $17.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $15.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $14.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $11.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $7.9M |
| 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 | $7.5M |
| 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 | $6.7M |
| 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 15 Years | RCONA575 | $5.4M |
| 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 | $5.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $800K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $78K |
| Other Loans | RCONJ464 | $32K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 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 | $42.9M |
| 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 | $24.4M |
| 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 | $6.7M |
| 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 | $6.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $801K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $724K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $208K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $44K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 99 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 64 |
| 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 | 52 |
| 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 | 51 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 42 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 15 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · American Community Bank of Indiana deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Demand Deposits (See Note Below) | RCON2210 | $209.7M |
| Total Transaction Accounts | RCON2215 | $209.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $135.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $130.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $114.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $95.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $48.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $33.4M |
| 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 | $31.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $27.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $26.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $26.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $25.5M |
| 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 | $22.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $22.7M |
| 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 | $17.5M |
| Total reciprocal deposits | RCONJH83 | $11.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.4M |
| 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 | $3.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.7M |
| 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 | $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 Three Years | RCONHK10 | $87K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.6M |
| Accrued Interest Receivable | RCONB556 | $1.6M |
| Other Assets | RCON2168 | $932K |
| Net Deferred Tax Assets | RCON2148 | $597K |
| Prepaid Expenses | RCON2166 | $238K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.4M |
| Deferred Compensation Liabilities | RCONC011 | $973K |
| Other Expenses Accrued and Unpaid | RCON3646 | $635K |
| Accounts Payable | RCON3066 | $375K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $357K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $7K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · American Community Bank of Indiana quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $372.1M |
| Quarterly Average of Total Loans | RCON3360 | $314.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $157.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $131.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $102.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $59.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $53.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $50.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $25.1M |
| Mortgage-backed Securities | RCONB559 | $20.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $12.6M |
| All Other Securities | RCONB560 | $7.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $958K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · American Community Bank of Indiana derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $21.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $14.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $14.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $6.3M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $4.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.2M |
| Performance Standby Letters of Credit | RCON3821 | $1.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $340K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · American Community Bank of Indiana memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $816K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $717K |
| Mortgage Servicing Assets | RCON3164 | $629K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $74K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (18 items)
About Schedule RC-N · American Community Bank of Indiana past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $7.4M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.5M |
| Additions to Nonaccrual Assets | RCONC410 | $4.7M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.8M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $2.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.7M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $871K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $837K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $829K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $499K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $476K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $274K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $146K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $46K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $44K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $13K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · American Community Bank of Indiana other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $372.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $344.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $212.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $126.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $36.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $385K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,013 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 188 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 170 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · American Community Bank of Indiana regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · American Community Bank of Indiana regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $372.1M |
| Average total consolidated assets | RCOAKW03 | $372.1M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $333.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $40.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $36.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $36.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $36.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $35.9M |
| Retained Earnings | RCOAKW00 | $27.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $8.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$688K |
| 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 | -$688K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1222 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1097 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1097 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0983 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0422 |
Schedule RC-R, Part II: Risk-Weighted Assets (61 items)
About Schedule RC-R, Part II · American Community Bank of Indiana risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $333.7M |
| Total Risk-weighted Assets | RCONG641 | $333.4M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $280.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $280.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $258.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $245.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $241.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $66.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $66.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $63.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $62.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $33.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $32.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $32.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $32.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $26.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $24.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $22.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $21.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $21.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $20.3M |
| Total All Other Assets | RCOND981 | $19.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $16.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $16.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $15.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $13.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $12.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $12.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $9.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $9.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $6.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $6.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $4.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $4.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $2.3M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $2.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.1M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.0M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$914K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $656K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $629K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $629K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $629K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $568K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $568K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $252K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $250K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $81K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $32K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $9K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $35.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $33.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $33.9M |
| Other Comprehensive Income | RIADB511 | -$45K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · American Community Bank of Indiana changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.4M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $11K |
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 | $208.1M |
American Community Bank of Indiana 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 of Indiana call report?
The American Community Bank of Indiana 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 of Indiana file?
American Community Bank of Indiana 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 of Indiana 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 of Indiana has Federal Reserve RSSD ID 1010574 and FDIC certificate number 29878. Either one finds its filings on the FFIEC Central Data Repository.
How often does American Community Bank of Indiana 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 of Indiana 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 29878) · FFIEC NIC profile (RSSD 1010574)