America's Community Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 7.00 percentage points in Q2 2026, from 16.04% to 23.04%. It was the largest change from Q1 2026 among the key lines here. On total deposits, America's Community Bank is 4th from the bottom among 192 Missouri banks, $49.5M (Q2 2026). The median for banks in the < $100M asset tier is $53.8M on total deposits. America's Community Bank sits 8% lower, at $49.5M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $49.5M |
| Domestic office deposits | $49.5M |
| Foreign office deposits | — |
| Deposits to total assets | 77.19% |
| Deposits to total liabilities | 84.56% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $10.3M |
| Savings deposits | $1.4M |
| Transaction accounts to domestic deposits | 23.04% |
| Time deposits | $55K |
| Time deposits under $100k | $4.4M |
| Time deposits $100k to $250k | $16.5M |
| Time deposits over $250k | $6.3M |
| Noninterest-bearing share of deposits | 23.04% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $32.6M |
| Core deposits to total deposits | 65.94% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $10.5M |
| Brokered deposits to total deposits | 21.22% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.23% |
| Interest expense on deposits | $322K |
| Loans and leases to core deposits | 130.71% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $39.0M | 72.37% | 17.97% | 3.06% |
| Q4 2023 | $37.3M | 70.49% | 18.75% | 3.26% |
| Q1 2024 | $40.8M | 69.31% | 20.81% | 3.42% |
| Q2 2024 | $39.7M | 69.70% | 20.17% | 3.34% |
| Q3 2024 | $41.6M | 67.81% | 21.64% | 3.61% |
| Q4 2024 | $41.8M | 68.02% | 21.54% | 3.63% |
| Q1 2025 | $42.2M | 66.03% | 22.16% | 3.44% |
| Q2 2025 | $44.5M | 68.92% | 20.47% | 3.37% |
| Q3 2025 | $45.2M | 65.70% | 24.04% | 3.38% |
| Q4 2025 | $46.5M | 67.25% | 22.78% | 3.29% |
| Q1 2026 | $49.7M | 64.72% | 23.15% | 3.19% |
| Q2 2026 | $49.5M | 65.94% | 21.22% | 3.23% |
America's Community Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock America's Community Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 America's Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8893) · FFIEC NIC profile (RSSD 440857)