TellerScore

American Community Bank of Indiana is a state-chartered bank headquartered in Saint John, Indiana, in business for about 116 years. At the end of Q2 2026 it reported $383.0M in total assets and $344.8M in deposits, with 5 offices.

Based on its Q2 2026 filing, American Community Bank of Indiana scores 43/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 84th. Its strongest component is earnings (63/100; 1.08%), and its lowest is loan quality (22/100; 2.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.83%
Loan quality22/100
Noncurrent loans ÷ total loans: 2.33%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity32/100
Loans ÷ deposits and uninsured-deposit share: 91.4% · 48.0% uninsured
Problem-loan coverage59/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.55%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 13 points (56 → 43), mostly because the loan quality component weakened by 46 points.

TellerScore
425058Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202453
Q4 202455
Q1 202558
Q2 202556
Q3 202552
Q4 202542
Q1 202644
Q2 202643
Tier 1 leverage ratio
5.00%7.42%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20248.99%
Q4 20248.80%
Q1 20258.87%
Q2 20259.29%
Q3 20259.09%
Q4 20259.07%
Q1 20269.47%
Q2 20269.83%
Noncurrent loans
0.80%1.56%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.92%
Q4 20240.82%
Q1 20250.81%
Q2 20250.95%
Q3 20251.27%
Q4 20252.20%
Q1 20262.28%
Q2 20262.33%
Return on assets
0.69%0.93%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.69%
Q4 20240.77%
Q1 20250.96%
Q2 20250.89%
Q3 20250.95%
Q4 20250.98%
Q1 20261.17%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202643$383.0M9.83%2.33%1.08%91.4%
Q1 202644$376.5M9.47%2.28%1.17%90.5%
Q4 202542$380.9M9.07%2.20%0.98%88.4%
Q3 202552$389.8M9.09%1.27%0.95%82.6%
Q2 202556$383.0M9.29%0.95%0.89%81.9%
Q1 202558$375.2M8.87%0.81%0.96%81.2%
Q4 202455$372.6M8.80%0.82%0.77%83.3%
Q3 202453$362.1M8.99%0.92%0.69%86.6%
Q2 202455$378.9M9.34%0.80%0.70%82.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio9.83%
27th
Total risk-based capital12.22%
53rd
Problem loans2.33%
10th
Net charge-offs0.00%
68th
Return on assets1.08%
39th
Net interest margin3.98%
52nd
Efficiency ratio57.4%
65th
Loans to deposits91.4%
24th
Uninsured deposits48.0%
5th
Loan-loss reserves1.28%
60th
Texas ratio20.6%
5th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Riddell National BankBank Brazil, IN59 out of 100, Moderate$384.3M8.5%0.92%vs
Owen County State BankBank Spencer, IN59 out of 100, Moderate$388.5M8.6%0.62%vs
Grant County State BankBank Swayzee, IN61 out of 100, Moderate$395.7M11.7%2.35%vs
The Garrett State BankBank Garrett, IN69 out of 100, Moderate$399.7M10.5%0.85%vs
Hoosier Heartland State BankBank Crawfordsville, IN63 out of 100, Moderate$356.3M8.7%0.63%vs
The Campbell & Fetter BankBank Kendallville, IN71 out of 100, Strong$355.0M10.0%0.00%vs

Deposit insurance

Is my money safe at American Community Bank of Indiana?

Yes. American Community Bank of Indiana is an FDIC-insured institution (FDIC certificate #29878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.0% of deposits ($165.7M) 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 9.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.22% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

American Community Bank of Indiana lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Community Bank of Indiana reported 105 home-loan applications under HMDA (LEI 254900PS2KU65ZEUOA41): 102 originated ($31,130,000 total), 0 denied, and 3 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.

Identity & history

Profile

Legal name
American Community Bank of Indiana
Former names
American Savings, FSB; American Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
29878
RSSD ID
1010574
Primary regulator
FDIC
Holding company
Amb Financial Corp
Established
January 1, 1910
Headquarters
7880 Wicker Ave, Saint John, IN 46373
Employees
42

Quick answers

American Community Bank of Indiana: common questions

Is American Community Bank of Indiana FDIC insured?

Yes. American Community Bank of Indiana is an FDIC-insured institution (FDIC certificate #29878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Community Bank of Indiana's TellerScore?

43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Community Bank of Indiana ever failed?

There is no failure record for FDIC certificate #29878 in the FDIC failed bank list.

How many branches does American Community Bank of Indiana have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint John

InstitutionScoreAssetsCapitalProblem loansCompare
Israel Methcomm Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$2.0M15.5%0.00%vs
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$4.2M16.5%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
First State Bank of PorterBank Porter, IN90 out of 100, Very strong$162.3M16.8%0.00%vs