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American Community Bank Of Indiana
Saint John, IN · FDIC Certificate #29878 · Chartered 01/0
Total assets
$383.02M
Total deposits
$344.78M
Total equity
$35.89M
Net loans
$315.07M
Branches (offices)
5
Net income (YTD)
$2.05M
Rank: #2,133 of 4,213 U.S. banks by assets · #54 of 87 in Indiana. Assets changed -0.0% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.72% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 9.37% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 48.0% |
| Noncurrent loans (share of loans) | 2.33% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.4% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $262.32M | 83.3% | |
| Commercial & industrial | $55.92M | 17.7% | |
| Consumer / individual | $878.00K | 0.3% | |
| Construction & development | $28.97M | 9.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $326.00M | $292.26M | $1.32M | $27.15M |
| Jun 2023 | $335.78M | $294.47M | $1.48M | $29.08M |
| Jun 2024 | $378.91M | $345.75M | $1.25M | $30.66M |
| Jun 2025 | $383.04M | $347.13M | $1.68M | $33.45M |
| Jun 2026 | $383.02M | $344.78M | $2.05M | $35.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $344.78M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $344.78M.
Similar-sized banks
The Harbor Bank Of Maryland ($383.22M) · Sandhills State Bank ($382.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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