Americana Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Americana Community Bank is an FDIC-insured commercial bank headquartered in Sleepy Eye, MN, established in 1881 (FDIC certificate 8205), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $179.9M, down 0.5% from Q2 2025, the 123rd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8205
- Headquarters
- Sleepy Eye, MN
- Established
- 1881
- Total assets, Q2 2026
- $179.9M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 11.66%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091901969
- Latest call report
- Q2 2026, FFIEC 051 · Americana Community Bank call report
- Holding company
- MIDWEST BANCSHARES, INC.
- Asset rank in state
- 123rd of 221 in Minnesota
Problem loans are rising at Americana Community Bank. Its balance sheet stood at $180 million at June 30, 2026; it is based in Sleepy Eye, Minnesota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.04% a year earlier. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
The commercial and industrial book ($24 million) is worsening: 3.51% of it is past due or on nonaccrual, up from 2.07% a year earlier.
As of June 30, 2026, Americana Community Bank reported a return on assets of 0.53%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 4.09%. The figures come from its call report filed with the FFIEC.
Americana Community Bank ranks as the 123rd largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $179.9M, loans rose 0.8% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 35.4% of total loans, followed by commercial and industrial loans at 17.0%. Its 4 offices in the FDIC Summary of Deposits are in Sleepy Eye, MN, Maple Grove, MN and Chanhassen, MN; its Sleepy Eye office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Americana Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Main St W, Sleepy Eye, MN 56085
- County
- Brown
- Metro Area
- New Ulm, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1881
- Former names
- Americana State Bank of Sleepy Eye (1985-1989)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $152.7M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $178.0M
- Average total loans
- $140.1M
- Average interest-bearing deposits
- $130.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8205
- Fed RSSD
- 201254
- SEC CIK
- 1914897 → filed by MIDWEST BANCSHARES, INC.
- Website
- www.americanafinancial.com →
- Parent Holding Company
- MIDWEST BANCSHARES, INC. (RSSD 1128705)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Americana Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Americana Community Bank's total assets ran between $163.7M (Q3 2023) and $180.7M (Q2 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
$179.9M total assets against $180.7M; $160.4M total liabilities against $162.5M.
$141.4M net loans and leases against $137.8M; $152.7M total deposits against $147.3M.
$27.4M securities against $31.1M; $4.1M cash and balances due against $4.6M.
$2.5M total interest income against $2.6M; $726K total interest expense against $883K.
$1.8M net interest income against $1.7M.
$119K total noninterest income against $112K; $1.5M total noninterest expense against $1.4M.
$139K provision for credit losses against $65K.
$234K net income against $259K.
0.53% return on assets against 0.58%; 4.24% net interest margin against 3.93%.
11.66% tier 1 leverage ratio against 11.09%.
Inside the full Americana Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmericana Community Bank rankings
Its closest position to the top of a national ranking is 1,551 of 3,640, for Texas Ratio; its furthest is 3,218 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q4 2025) to 0.72% (Q1 2026) and its net interest margin ran from 3.62% (Q4 2024) to 4.25% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.66% | 0.53% | 0.60% | 4.09% | 4.24% |
| Q1 2026 | 11.67% | 0.72% | 0.60% | 4.14% | 4.25% |
| Q4 2025 | 11.50% | 0.52% | 0.63% | 4.23% | 4.01% |
| Q3 2025 | 11.19% | 0.65% | 0.33% | 2.25% | 3.87% |
| Q2 2025 | 11.09% | 0.58% | 0.04% | 0.27% | 3.93% |
| Q1 2025 | 11.10% | 0.56% | 0.04% | 0.29% | 3.73% |
| Q4 2024 | 10.72% | 0.58% | 0.04% | 0.30% | 3.62% |
| Q3 2024 | 10.79% | 0.56% | 0.05% | 0.31% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Americana Community Bank (main office) | Sleepy Eye , MN | 56085 | $62.3M |
| Maple Grove Branch | Maple Grove , MN | 55311 | $46.0M |
| Chanhassen Branch | Chanhassen , MN | 55317 | $44.5M |
| Administration Office Branch | Chanhassen , MN | 55317 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 155 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Americana Community Bank
What are Americana Community Bank's total assets?
As of the Q2 2026 filing, Americana Community Bank reported total assets of $179.9 million in its FFIEC call report.
Where is Americana Community Bank headquartered?
It is headquartered in Sleepy Eye, MN, United States.
When was Americana Community Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Americana Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Americana Community Bank?
Americana Community Bank's primary federal regulator is the FDIC.
How many branches does Americana Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Americana Community Bank's Texas Ratio?
Its Texas Ratio is 4.09% 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 Americana Community Bank previously called?
The charter now named Americana Community Bank has also operated as Americana State Bank of Sleepy Eye (1985-1989), per FDIC structure-change records.
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