American Community Bank of Indiana
Saint John, IN · Cert 29878 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Amb Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$383.0MAssets
$319.2MLoans
$344.8MDeposits
$35.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
- Widest gap: tier 1 capital ratio trails 82% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 47 of 57).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.07%
Rank 23 of 57
Net Interest Margin
3.83%
Rank 22 of 57
Efficiency Ratio
57.40%
Rank 14 of 57
Equity / Assets
9.37%
Rank 43 of 57
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.51% | 0.84% | 1.19% | Beats 60% | 23 / 57 | |
| Return on Equity | 11.40% | 3.13% | 7.76% | 11.40% | Beats 74% | 15 / 57 | |
| Net Interest Margin | 3.83% | 3.16% | 3.63% | 4.08% | Beats 61% | 22 / 57 | |
| Efficiency Ratio | 57.40% | 59.57% | 69.70% | 81.06% | Beats 77% | 14 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.33% | 0.06% | 0.34% | 1.78% | Beats 20% | 46 / 56 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 12.24% | 16.06% | 19.69% | Beats 18% | 47 / 57 | |
| Total Risk-Based Capital Ratio | 12.22% | 12.54% | 16.50% | 20.95% | Beats 21% | 45 / 57 | |
| Equity / Assets | 9.37% | 9.37% | 11.56% | 15.00% | Beats 25% | 43 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 92.57% | 66.29% | 85.59% | 95.16% | 70th pctl | 17 / 57 | |
| Loans / Assets | 83.33% | 57.07% | 71.07% | 78.13% | 91st pctl | 5 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |