Woodstock, IL · Cert 35412 · American Cmty Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.2% share · #49 of 147 inst. · $1.0B of $630.7B
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 | 1.15% | 1.09% | 1.26% | 0.18% | 1.39% | 1.38% | 1.45% | 1.31% | +113 bps | |
| Return on Equity | 11.85% | 10.69% | 11.61% | 1.70% | 13.17% | 13.59% | 14.46% | 12.93% | +1,123 bps | |
| Net Interest Margin | 3.09% | 3.21% | 3.36% | 3.54% | 3.72% | 3.78% | 3.76% | 3.76% | +22 bps | |
| Efficiency Ratio | 51.79% | 57.11% | 51.91% | 53.84% | 50.49% | 51.86% | 48.65% | 53.28% | -55 bps | |
| Non-Interest Burden | 1.39% | 1.64% | 1.50% | 1.65% | 1.60% | 1.69% | 1.55% | 1.73% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 1.84% | -5.61% | -0.78% | -1.42% | 17.62% | 13.08% | 12.53% | +1,331 bps | |
| Loan Growth (YoY) | 9.96% | 9.36% | 9.49% | 12.47% | 10.76% | 12.57% | 15.43% | 8.18% | -429 bps | |
| Deposit Growth (YoY) | 8.80% | 1.91% | 1.31% | 5.03% | 4.36% | 19.29% | 13.96% | 13.40% | +838 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.18% | 0.18% | 0.28% | 0.17% | 0.00% | 0.05% | 1.00% | +72 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.08% | 1.99% | 0.15% | 0.60% | -0.11% | -0.06% | -205 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.21% | 1.26% | 1.30% | 1.17% | 1.26% | 1.33% | +7 bps | |
| Allowance Coverage of NPLs | 5.9x | 6.4x | 6.7x | 4.5x | 7.8x | n/a | 26.3x | 1.3x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.11% | 11.04% | 11.09% | 10.73% | 10.24% | 10.43% | 10.61% | -49 bps | |
| Total Risk-Based Capital | 10.18% | 10.11% | 11.04% | 11.09% | 10.73% | 10.24% | 10.43% | 10.61% | -49 bps | |
| Equity / Assets | 9.52% | 10.96% | 10.68% | 10.70% | 10.36% | 9.98% | 10.05% | 10.24% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.27% | 82.19% | 76.40% | 82.53% | 78.82% | 77.57% | 77.38% | 78.73% | -380 bps | |
| Liquid Assets / Assets | 10.65% | 5.00% | 5.56% | 7.67% | 7.41% | 8.08% | 9.52% | 9.22% | +156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 378% | 373% | n/a | n/a | |