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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.09% | 1.05% | 1.03% | 1.09% | 1.08% | 0.93% | 1.29% | +26 bps | |
| Return on Equity | 10.33% | 8.70% | 8.34% | 8.17% | 8.53% | 8.64% | 7.71% | 10.19% | +202 bps | |
| Net Interest Margin | 3.99% | 3.97% | 4.03% | 4.11% | 4.31% | 4.15% | 4.15% | 4.55% | +44 bps | |
| Efficiency Ratio | 65.83% | 66.22% | 68.71% | 68.37% | 68.71% | 67.51% | 71.21% | 65.77% | -260 bps | |
| Non-Interest Burden | 2.36% | 2.38% | 2.61% | 2.70% | 2.85% | 2.60% | 2.88% | 2.89% | +19 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 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 | |