American Community Bank of Indiana: 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.
Reserve coverage of non-performing loans climbed 7.16 percentage points in Q2 2026, from 47.85% to 55.02%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, American Community Bank of Indiana is 50th of 87 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. American Community Bank of Indiana sits 0.24 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 9.83% |
| Equity capital to assets | 9.37% |
| Tangible equity to tangible assets | 9.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.33% |
| Non-performing assets ratio | 2.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 20.55% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 55.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 10.64% |
| Net interest margin | 4.15% |
| Efficiency ratio | 53.26% |
| Yield on earning assets | 6.11% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.57% |
| Core deposits to total deposits | 92.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.02% |
| Securities to assets | 6.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.07% | 11.07% | 12.32% | 9.39% | 0.64% |
| Q4 2023 | 10.33% | 10.33% | 11.58% | 9.22% | 0.64% |
| Q1 2024 | 10.77% | 10.77% | 11.99% | 9.09% | 0.70% |
| Q2 2024 | 10.81% | 10.81% | 12.06% | 9.34% | 0.77% |
| Q3 2024 | 11.15% | 11.15% | 12.38% | 8.99% | 0.69% |
| Q4 2024 | 11.28% | 11.28% | 12.49% | 8.80% | 1.00% |
| Q1 2025 | 11.79% | 11.79% | 12.92% | 8.87% | 0.95% |
| Q2 2025 | 11.78% | 11.78% | 12.97% | 9.29% | 0.85% |
| Q3 2025 | 11.79% | 11.79% | 12.96% | 9.09% | 1.07% |
| Q4 2025 | 11.01% | 11.01% | 12.20% | 9.07% | 1.07% |
| Q1 2026 | 11.13% | 11.13% | 12.30% | 9.47% | 1.17% |
| Q2 2026 | 10.97% | 10.97% | 12.22% | 9.83% | 1.01% |
American Community Bank of Indiana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29878) · FFIEC NIC profile (RSSD 1010574)