American Community Bank

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

$306.5MAssets

$250.5MLoans

$249.4MDeposits

$40.7MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 25 of 31).
Overall: at or above the peer median on 5 of 9 directional measures.

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

Non-interest income vs. expense

Unfavorable gap of $9.2M · efficiency ratio beats 77% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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