America's Community Bank
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Data as of · sourced from FFIEC call reports. How we update
America's Community Bank is an FDIC-insured commercial bank headquartered in Blue Springs, MO, established in 1888 (FDIC certificate 8893), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $64.1M, up 16.9% from Q2 2025, the 186th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.69% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8893
- Headquarters
- Blue Springs, MO
- Established
- 1888
- Total assets, Q2 2026
- $64.1M
- Assets vs Q2 2025
- +16.9%
- Tier 1 leverage ratio, Q2 2026
- 8.69%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101907196
- Latest call report
- Q2 2026, FFIEC 051 · America's Community Bank call report
- Holding company
- URICH BANCORP, INC.
- Asset rank in state
- 186th of 191 in Missouri
Problem loans are rising at America's Community Bank. The Blue Springs, Missouri bank had $64 million in assets at June 30, 2026, up 16.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.00% a year earlier. It pays an average of 3.40% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also funds 8.69% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
Net income for the quarter rose 21% from a year earlier, to $267,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, 10.1 times the median of 26% for banks its size.
As of June 30, 2026, America's Community Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 11.72%. The figures come from its call report filed with the FFIEC.
America's Community Bank ranks as the 186th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $64.1M, loans fell 0.2% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.0% of total loans, followed by construction and land development loans at 19.1%. The FDIC Summary of Deposits lists a single office for it, in Blue Springs, MO. Judged on its Q2 2026 call report, America's Community Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 1100 W Main St, Blue Springs, MO 64015
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 27, 1888
- Former names
- First Country Bank (1995-2003)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $49.5M
- Allowance for credit losses
- $778K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $64.3M
- Average total loans
- $56.9M
- Average interest-bearing deposits
- $39.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8893
- Fed RSSD
- 440857
- Website
- www.amcommbank.com →
- Parent Holding Company
- URICH BANCORP, INC. (RSSD 1064492)
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, America's 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, America's Community Bank's total assets ran between $42.2M (Q4 2023) and $65.2M (Q1 2026), 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
$64.1M total assets against $54.8M; $58.5M total liabilities against $49.8M.
$55.6M net loans and leases against $49.1M; $49.5M total deposits against $44.5M.
$73K securities against $73K; $7.2M cash and balances due against $3.9M.
$1.1M total interest income against $930K; $419K total interest expense against $334K.
$651K net interest income against $596K.
$17K total noninterest income against $7K; $383K total noninterest expense against $317K.
$30K provision for credit losses against $65K.
$267K net income against $221K.
1.66% return on assets against 1.64%; 4.10% net interest margin against 4.54%.
8.69% tier 1 leverage ratio against 9.34%.
Inside the full America's Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
America's Community Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 1.95% (Q4 2025) and its net interest margin ran from 3.98% (Q1 2026) to 4.66% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.69% | 1.66% | 1.32% | 11.72% | 4.10% |
| Q1 2026 | 9.23% | 1.54% | 0.00% | 8.81% | 3.98% |
| Q4 2025 | 9.31% | 1.95% | 0.00% | 9.64% | 4.56% |
| Q3 2025 | 9.42% | 1.64% | 0.00% | 10.19% | 4.66% |
| Q2 2025 | 9.34% | 1.64% | 0.00% | 11.08% | 4.54% |
| Q1 2025 | 9.91% | 1.48% | 0.00% | 10.37% | 4.28% |
| Q4 2024 | 9.78% | 0.92% | 0.00% | 10.42% | 4.33% |
| Q3 2024 | 9.88% | 1.43% | 0.00% | 11.08% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| America's Community Bank (main office) | Blue Springs , MO | 64015 | $49.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 17, 2010, Federal Reserve: Written Agreement: America's Community Bank, Blue Springs, Missouri
- Period: Most recent institution action November 17, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 232 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $475K approved, $238K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 America's Community Bank
What are America's Community Bank's total assets?
As of the Q2 2026 filing, America's Community Bank reported total assets of $64.1 million in its FFIEC call report.
Where is America's Community Bank headquartered?
It is headquartered in Blue Springs, MO, United States.
When was America's Community Bank founded?
It was established in 1888, per the FDIC institution directory.
Is America's Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates America's Community Bank?
America's Community Bank's primary federal regulator is the FDIC.
How many branches does America's Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is America's Community Bank's Texas Ratio?
Its Texas Ratio is 11.72% 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 America's Community Bank previously called?
The charter now named America's Community Bank has also operated as First Country Bank (1995-2003), per FDIC structure-change records.
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