American Community Bank of Indiana
Saint John, IN·RSSD 1010574·FDIC 29878·bank:1010574·Risk-based ratios where reported
- #55 of 89Total assets in Indiana
- 5offices
- 42employees
- #2 of 81Margin improvement in Indiana
- #5 of 44C&I loan growth in Indiana
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at American Community Bank of Indiana
4 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposit costs falling faster than peersStrength: Funding 2nd quarter2.00%peers 1.80%+20 bps
American Community Bank of Indiana's cost of all deposits fell 50 bps over the past year to 2.00%. Among 1431 similar banks, the median fell 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.00% | 1.80% | +20 bps |
| 12-month change | ||
| -50 bps | -15 bps | -36 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. American Community Bank of Indiana itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter92.6%+9.7 pp in 12 months
American Community Bank of Indiana's loans rose to 92.6% of deposits, 9.7 percentage points higher than a year earlier, while cash fell to 5.9% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 92.6% | +9.7 pp in 12 months |
| Cash / assets | |
| 5.9% | -10.0 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. American Community Bank of Indiana itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter4.13%peers 3.99%+15 bps
American Community Bank of Indiana's net interest margin rose 64 bps over the past year to 4.13%. Among 1433 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.13% | 3.99% | +15 bps |
| 12-month change | ||
| +64 bps | +23 bps | +42 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. American Community Bank of Indiana itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter2.33%peers 0.43%+190 bps
American Community Bank of Indiana's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 138 bps over the past year to 2.33%. Among 1431 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 2.33% | 0.43% | +190 bps |
| 12-month change | ||
| +138 bps | 0 bps | +137 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. American Community Bank of Indiana itself is left out of every peer median and percentile. How signals work
Key facts
- American Community Bank of Indiana is a bank headquartered in Saint John, Indiana. It reported $383 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $345 million, down 0.7% from a year earlier, and loans totaled $319 million, up 11.0%.
- Its net interest margin was 4.13% and its annualized return on assets was 0.99% for the quarter.
- Its cost of all deposits was 2.00%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With American Community Bank of Indiana's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- American Community Bank of Indiana · Bank
- Federal Reserve RSSD
- 1010574
- FDIC certificate
- 29878
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. American Community Bank of Indiana itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $942K | — | |
| $5.45M | — | |
| $1.76M | — | |
| $3.69M | — | |
| $497K | — | |
| $2.24M | — | |
| $699K | — | |
| $687K | — | |
| 0.99% | 0.99%ROAQ · Quarter | |
| 4.13% | 4.12%NIMYQ · Quarter | |
| 53.45% | 53.45%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.