The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in New York

Yes. American Community Bank is an FDIC-insured institution (FDIC certificate #35033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.3% of deposits ($103.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

American Community Bank lists 6 offices in 6 cities. Most locations:

• Commack, NY (1)
• Glen Cove, NY (1)
• Mineola, NY (1)
• New Hyde Park, NY (1)
• Oyster Bay, NY (1)
• Syosset, NY (1)

All branch addresses and map

In 2025, American Community Bank reported 50 home-loan applications under HMDA (LEI 9845002BFC70CNA9B356): 39 originated ($24,195,000 total), 0 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

American Community Bank

Type

State-chartered bank

FDIC certificate #

35033

RSSD ID

2871558

Primary regulator

FDIC

Holding company

American Community Bcorp Inc

Established

January 10, 2000

Headquarters

300 Glen St, Glen Cove, NY 11542

Website

www.acbalways.com

Employees

48