Headquartered in Sleepy Eye, Minnesota, Americana Community Bank is a state-chartered bank with $179.9M in total assets and $152.7M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1881.
Americana Community Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 134th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (45/100, 0.62%).
TellerScore · Q2 2026
Scorecard
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 4 points (71 → 67), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 68 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.78% |
| Q3 2024 | 10.79% |
| Q4 2024 | 10.72% |
| Q1 2025 | 11.10% |
| Q2 2025 | 11.09% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.50% |
| Q1 2026 | 11.67% |
| Q2 2026 | 11.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $179.9M | 11.66% | 0.60% | 0.62% | 92.6% |
| Q1 2026 | 67 | $179.0M | 11.67% | 0.60% | 0.72% | 95.4% |
| Q4 2025 | 66 | $174.5M | 11.50% | 0.63% | 0.57% | 86.9% |
| Q3 2025 | 68 | $179.1M | 11.19% | 0.33% | 0.59% | 91.2% |
| Q2 2025 | 71 | $180.7M | 11.09% | 0.04% | 0.56% | 93.6% |
| Q1 2025 | 71 | $177.8M | 11.10% | 0.04% | 0.55% | 88.3% |
| Q4 2024 | 71 | $180.7M | 10.72% | 0.04% | 0.56% | 86.6% |
| Q3 2024 | 70 | $174.7M | 10.79% | 0.05% | 0.56% | 87.3% |
| Q2 2024 | 70 | $174.8M | 10.78% | 0.04% | 0.55% | 92.6% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Battle Bank, National AssociationBank Upsala, MN | 79 out of 100, Strong | $180.8M | 33.3% | 0.00% | vs |
| The First National Bank of Le CenterBank Lonsdale, MN | 58 out of 100, Moderate | $178.2M | 9.5% | 1.72% | vs |
| Woodland BankBank Deer River, MN | 52 out of 100, Below average | $177.5M | 8.6% | 1.53% | vs |
| First Security Bank - Sleepy EyeBank Sleepy Eye, MN | 73 out of 100, Strong | $182.8M | 15.3% | 2.60% | vs |
| Pine River State BankBank Pine River, MN | 64 out of 100, Moderate | $185.3M | 8.5% | 0.74% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Americana Community Bank?
Yes. Americana Community Bank is an FDIC-insured institution (FDIC certificate #8205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.7% of deposits ($37.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.66%, 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%).
4 locations
Branches
Americana Community Bank lists 3 offices in 3 cities. Most locations:
- Chanhassen, MN (1)
- Maple Grove, MN (1)
- Sleepy Eye, MN (1)
Identity & history
Profile
- Legal name
- Americana Community Bank
- Former names
- Americana State Bank of Sleepy Eye; State Bank of Sleepy Eye
- Type
- State-chartered bank
- FDIC certificate #
- 8205
- RSSD ID
- 201254
- Primary regulator
- FDIC
- Holding company
- Midwest Bancshares Inc
- Established
- January 1, 1881
- Headquarters
- 300 Main St W, Sleepy Eye, MN 56085
- Website
- www.americanafinancial.com
- Employees
- 31
Quick answers
Americana Community Bank: common questions
Is Americana Community Bank FDIC insured?
Yes. Americana Community Bank is an FDIC-insured institution (FDIC certificate #8205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Americana Community Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Americana Community Bank ever failed?
There is no failure record for FDIC certificate #8205 in the FDIC failed bank list.
How many branches does Americana Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sleepy Eye
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security Bank - Sleepy EyeBank Sleepy Eye, MN | 73 out of 100, Strong | $182.8M | 15.3% | 2.60% | vs |
| Southpoint Financial Credit UnionCredit union Sleepy Eye, MN | 73 out of 100, Strong | $608.9M | 11.2% | 0.17% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |
| Frandsen Bank & TrustBank Lonsdale, MN | 71 out of 100, Strong | $3.7B | 10.0% | 0.71% | vs |
| The Wanda State BankBank Wanda, MN | 71 out of 100, Strong | $229.8M | 12.1% | 1.12% | vs |
| Pioneer BankBank Mapleton, MN | 71 out of 100, Strong | $883.8M | 10.2% | 0.58% | vs |