Americana Community Bank: 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 10.76 percentage points in Q2 2026, from 146.77% to 157.53%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Americana Community Bank is 16th from the bottom among 221 Minnesota banks, 0.53% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Americana Community Bank reported 0.53% on return on assets in Q2 2026, 0.73 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.66% |
| Equity capital to assets | 10.81% |
| Tangible equity to tangible assets | 10.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.09% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 157.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 4.83% |
| Net interest margin | 4.24% |
| Efficiency ratio | 75.21% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.47% |
| Core deposits to total deposits | 88.25% |
| Brokered deposits to total deposits | 3.39% |
| Deposits to assets | 84.92% |
| Securities to assets | 15.24% |
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 | 13.03% | 13.03% | 14.06% | 10.93% | 1.09% |
| Q4 2023 | 12.82% | 12.82% | 13.88% | 10.91% | 0.77% |
| Q1 2024 | 12.61% | 12.61% | 13.64% | 10.87% | 0.55% |
| Q2 2024 | 12.47% | 12.47% | 13.51% | 10.78% | 0.55% |
| Q3 2024 | 13.01% | 13.01% | 14.07% | 10.79% | 0.56% |
| Q4 2024 | 13.01% | 13.01% | 14.06% | 10.72% | 0.58% |
| Q1 2025 | 12.91% | 12.91% | 13.94% | 11.10% | 0.56% |
| Q2 2025 | 12.71% | 12.71% | 13.74% | 11.09% | 0.58% |
| Q3 2025 | 13.00% | 13.00% | 14.07% | 11.19% | 0.65% |
| Q4 2025 | — | — | — | 11.50% | 0.52% |
| Q1 2026 | — | — | — | 11.67% | 0.72% |
| Q2 2026 | — | — | — | 11.66% | 0.53% |
Americana Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Americana Community Bank, 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 Americana Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8205) · FFIEC NIC profile (RSSD 201254)