American Community Bank of Indiana: 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 Indiana of Saint John, IN against its peer group of 2603 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 | 1.01% | 1.35% | -0.34% | 34th below |
| ROAE | 10.64% | 13.32% | -2.68% | 40th below |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 53.26% | 61.13% | -7.87% | 74th above |
| PPNR / Avg Assets | 2.10% | 1.68% | +0.42% | 76th top |
| Yield on Earning Assets | 6.11% | 5.67% | +0.44% | 73rd above |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 3.70% | 3.32% | +0.38% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.33% | 0.94% | +1.39% | 10th bottom |
| NPA / Total Assets | 2.15% | 0.70% | +1.45% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 55.02% | 1546.73% | -1491.71% | 12th bottom |
| Texas Ratio | 20.55% | 7.33% | +13.22% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.97% | 19.49% | -8.52% | 8th bottom |
| Tier 1 Ratio | 10.97% | 19.52% | -8.55% | 8th bottom |
| Total Capital Ratio | 12.22% | 20.61% | -8.39% | 9th bottom |
| Leverage Ratio | 9.83% | 12.14% | -2.31% | 28th below |
| Equity / Assets | 9.37% | 11.37% | -2.00% | 33rd below |
| TCE / Tangible Assets | 9.37% | 11.08% | -1.71% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.57% | 80.66% | +11.91% | 23rd bottom |
| Core Deposit Ratio | 92.37% | 86.85% | +5.52% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.00% | 6.84% | -6.84% | 19th bottom |
| Loan Growth (Y/Y) | 10.98% | 7.92% | +3.06% | 77th top |
| Deposit Growth (Y/Y) | -0.68% | 6.29% | -6.97% | 20th bottom |
See American Community Bank of Indiana's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Community Bank of Indiana, 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 of Indiana profile, how to read a UBPR, or how this data updates.