FDIC Cert #29878 · Saint John, Indiana · Est. 1910

American Community Bank of Indiana - FDIC Bank Health Profile

A community-scale look at American Community Bank of Indiana's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$381M
Total assets
C
Health grade · Fair
0.98%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

American Community Bank of Indiana earns a PlainBankData health grade of C (60/100), with well-capitalized at 11.01% Tier 1, 0.98% ROA, 62% efficiency ratio.

#2,151
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
11.01%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29878 · IN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3785/4307
  • PHOTO-FINISH Dearborn Federal Sav… · MI
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-HEALTHY 18.1% Texas
  • ROA-PAR 0.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Dearborn Federal Savings Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Community Bank of Indiana

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Community B… · IN ·…60/100Blue Foundry Bank · NJ · near60/100Dearborn Federal Sav… · MI ·…60/100First Federal Saving… · OH ·…60/100Midland Federal Savi… · IL ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Community Bank of Indiana · July 2026

What American Community Bank of Indiana's Call Report plate shows

American Community Bank of Indiana (FDIC Cert #29878) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,785 of 4,307. Tier 1 capital prints at 11.01%, clearing the 10% well-capitalized line. The Texas Ratio is 18.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.98%. Balance-sheet scale is $381M, 2,151st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dearborn Federal Savings Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Community Bank of Indiana

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

American Community Bank of Indiana's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American Community Bank of Indiana remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How American Community Bank of Indiana's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
American Community Bank of Indiana's composite health score
Tier 1 Capital Ratio (11.01%) 28/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (18.09%) 10/20
Efficiency Ratio (61.63%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$381M

Total balance-sheet footings

Total Deposits

$343M

Customer-funded liabilities

Net Loans

$303M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.61% 11.01% 12.41%
Basel III capital ratios - American Community Bank of Indiana

Where American Community Bank of Indiana ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Community Bank of Indiana's score of 60/100 falls in the highlighted band.

American Community Bank of Indiana: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Community Bank of Indiana 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Community Bank of Indiana'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 of Indiana's $381M falls in the highlighted band.

Safety ratios for American Community Bank of Indiana

Tier 1 capital ratio
Well-capitalized 10%

11.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.01%
Texas Ratio
18.09%
Equity Capital
$34M

What these ratios mean →

Profitability metrics: American Community Bank of Indiana

Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
11.25%
Efficiency Ratio
61.63%

What these mean →

Income & expense at American Community Bank of Indiana

$22M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Community Bank of Indiana reports a Texas Ratio of 18.09% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Community Bank of Indiana on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($381M here), outside Indiana so the neighborhood is not state containment.

West Texas State Bank $381M · TX Crossroads Bank $381M · TX First National Bank in Port Lavaca $381M · TX ESB Financial $381M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Community Bank of Indiana (FDIC Cert #29878) - 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.

American Community Bank of Indiana Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%