Glen Cove, NY · Cert 35033 · American Community Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
69
Profitability
86
Liquidity
65
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Glen Cove, NY · Cert 35033 · American Community Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #115 of 151 inst. · $0.2B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.96% | 1.05% | 1.04% | 1.06% | 1.06% | 0.93% | 1.12% | +7 bps | |
| Return on Equity | 7.31% | 7.67% | 8.34% | 8.24% | 8.33% | 8.41% | 7.71% | 8.93% | +69 bps | |
| Net Interest Margin | 3.84% | 3.81% | 4.03% | 4.05% | 4.06% | 3.88% | 4.15% | 4.41% | +36 bps | |
| Efficiency Ratio | 72.48% | 70.83% | 68.71% | 68.55% | 68.60% | 68.30% | 71.21% | 68.41% | -13 bps | |
| Non-Interest Burden | 2.60% | 2.50% | 2.61% | 2.64% | 2.66% | 2.52% | 2.88% | 2.93% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.49% | 8.38% | 7.63% | 6.44% | 4.21% | 16.28% | 12.94% | 5.45% | -99 bps | |
| Loan Growth (YoY) | 12.99% | 10.51% | 9.36% | 7.70% | 8.49% | 5.43% | 3.99% | 6.02% | -169 bps | |
| Deposit Growth (YoY) | 16.42% | 9.67% | 18.23% | 13.43% | 4.97% | 20.95% | 11.20% | 6.21% | -722 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.16% | 1.15% | 1.18% | 1.18% | 1.24% | 1.23% | 1.21% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.31% | 13.31% | 13.03% | 13.27% | 13.16% | 12.60% | 12.54% | 13.37% | +10 bps | |
| Total Risk-Based Capital | 13.31% | 13.31% | 13.03% | 13.27% | 13.16% | 12.60% | 12.54% | 13.37% | +10 bps | |
| Equity / Assets | 12.17% | 12.86% | 12.41% | 12.67% | 12.81% | 12.21% | 12.04% | 13.26% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.22% | 104.16% | 98.63% | 100.64% | 100.48% | 90.80% | 92.24% | 100.46% | -18 bps | |
| Liquid Assets / Assets | 6.07% | 1.64% | 2.72% | 4.27% | 4.91% | 12.36% | 10.23% | 4.56% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 441% | 459% | n/a | n/a | |
Glen Cove, NY · Cert 35033 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · American Community Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.16%
Rank 6 of 31
Net Interest Margin
4.41%
Rank 2 of 31
Efficiency Ratio
68.41%
Rank 8 of 31
Equity / Assets
13.26%
Rank 16 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | -0.02% | 0.39% | 0.84% | Beats 81% | 6 / 31 | ||
| Return on Equity | 8.71% | -0.19% | 2.57% | 5.72% | Beats 84% | 5 / 31 | ||
| Net Interest Margin | 4.41% | 2.51% | 3.30% | 3.85% | Beats 94% | 2 / 31 | ||
| Efficiency Ratio | 68.41% | 68.41% | 83.66% | 91.76% | Beats 77% | 8 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.47% | 2.65% | Beats 100% | 5 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 37% | 20 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.37% | 13.24% | 15.54% | 26.77% | Beats 29% | 22 / 31 | ||
| Total Risk-Based Capital Ratio | 13.37% | 14.07% | 16.32% | 26.77% | Beats 19% | 25 / 31 | ||
| Equity / Assets | 13.26% | 10.38% | 13.26% | 17.83% | Beats 48% | 16 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.46% | 84.03% | 94.98% | 103.65% | 61st pctl | 12 / 31 | ||
| Loans / Assets | 81.72% | 61.61% | 75.31% | 83.78% | 71st pctl | 9 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||