PackageTrendsPeer
Letter portraitLegal landscape

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

$1.8M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 57.40%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%0.51%0.84%1.19%Beats 60%23 / 57
Return on Equity11.40%3.13%7.76%11.40%Beats 74%15 / 57
Net Interest Margin3.83%3.16%3.63%4.08%Beats 61%22 / 57
Efficiency Ratio57.40%59.57%69.70%81.06%Beats 77%14 / 57
Asset Quality
Nonperforming Loans / Loans2.33%0.06%0.34%1.78%Beats 20%46 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio10.97%12.24%16.06%19.69%Beats 18%47 / 57
Total Risk-Based Capital Ratio12.22%12.54%16.50%20.95%Beats 21%45 / 57
Equity / Assets9.37%9.37%11.56%15.00%Beats 25%43 / 57
Liquidity & Funding
Loans / Deposits92.57%66.29%85.59%95.16%70th pctl17 / 57
Loans / Assets83.33%57.07%71.07%78.13%91st pctl5 / 57
Brokered Deposits / Depositsn/aNot reported for this institution