Total Assets
$321M
Total balance-sheet footings
FDIC Cert #35033 · Glen Cove, New York · Est. 2000
American Community Bank - FDIC Bank Health Profile
A community-scale look at American Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $321M
- Total assets
- A
- Health grade · Excellent
- 1.06%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
American Community Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.60% Tier 1, profitable at 1.06% ROA, 68% efficiency ratio.
- #2,393
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 12.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How American Community Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Community Bank's composite health score
Tier 1 Capital Ratio (12.60%) 35/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (68.30%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$262M
Customer-funded liabilities
Net Loans
$235M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Community Bank's score of 83/100 falls in the highlighted band.
American Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Community Bank's $321M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.60%
Texas Ratio
0.00%
Equity Capital
$39M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
8.41%
Efficiency Ratio
68.30%
What the numbers say about American Community Bank
American Community Bank is an FDIC-insured institution (Certificate #35033) headquartered in Glen Cove, New York, established in 2000. It holds $321M in total assets - 2,393rd of 4,313 FDIC-insured banks, $262M in customer deposits, and $235M in net loans. Its capital position: a Tier 1 ratio of 12.60%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
American Community Bank sits 90th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$1M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Community Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Community Bank (FDIC Cert #35033) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is American Community Bank's health grade?▼
American Community Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is American Community Bank?▼
American Community Bank holds $321M in total assets and $262M in deposits, ranking 2,393rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Glen Cove, New York.
Is my money safe at American Community Bank?▼
Yes, deposits at American Community Bank (Certificate #35033) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Community Bank's Tier 1 Capital Ratio?▼
American Community Bank has a Tier 1 Capital Ratio of 12.60%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for American Community Bank?▼
American Community Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Community Bank?▼
American Community Bank has an Efficiency Ratio of 68.30%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Community Bank's profile as a depositor or analyst.
- American Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Community Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.