America's 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.
The standout move of Q2 2026 was in Non-performing loans to loans: 1.32 percentage points higher than in Q1 2026, at 1.32%. America's Community Bank ranks 74th of 192 Missouri banks on return on assets, in the upper half at 1.66% (Q2 2026). America's Community Bank's return on assets of 1.66% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.69% |
| Equity capital to assets | 8.71% |
| Tangible equity to tangible assets | 8.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 1.16% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 11.72% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 104.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 18.79% |
| Net interest margin | 4.10% |
| Efficiency ratio | 57.34% |
| Yield on earning assets | 6.74% |
| Cost of funds | 3.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.93% |
| Core deposits to total deposits | 65.94% |
| Brokered deposits to total deposits | 21.22% |
| Deposits to assets | 77.19% |
| Securities to assets | 0.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.24% | 1.44% | 4.18% | 1.59% | 0.01% |
| Q4 2023 | 10.20% | 0.31% | 4.14% | 0.00% | 2.12% |
| Q1 2024 | 9.69% | 1.61% | 3.97% | 0.00% | 0.04% |
| Q2 2024 | 9.81% | 1.25% | 4.01% | 0.00% | -0.01% |
| Q3 2024 | 9.88% | 1.43% | 4.14% | 0.00% | 0.37% |
| Q4 2024 | 9.78% | 0.92% | 4.33% | 0.00% | 0.12% |
| Q1 2025 | 9.91% | 1.48% | 4.28% | 0.00% | -0.18% |
| Q2 2025 | 9.34% | 1.64% | 4.54% | 0.00% | 0.00% |
| Q3 2025 | 9.42% | 1.64% | 4.66% | 0.00% | 0.00% |
| Q4 2025 | 9.31% | 1.95% | 4.56% | 0.00% | 0.00% |
| Q1 2026 | 9.23% | 1.54% | 3.98% | 0.00% | -0.01% |
| Q2 2026 | 8.69% | 1.66% | 4.10% | 1.32% | -0.01% |
America's Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock America's 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 America's Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8893) · FFIEC NIC profile (RSSD 440857)