Total Assets
$381M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$343M
Customer-funded liabilities
Net Loans
$303M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
11.25%
Efficiency Ratio
61.63%
What the numbers say about American Community Bank of Indiana
American Community Bank of Indiana is an FDIC-insured institution (Certificate #29878) headquartered in Saint John, Indiana, established in 1910. It holds $381M in total assets - 2,151st of 4,313 FDIC-insured banks, $343M in customer deposits, and $303M in net loans. Its capital position: a Tier 1 ratio of 11.01%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 18.09% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 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 of Indiana sits 54th of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Indiana by total assets
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.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is American Community Bank of Indiana's health grade?▼
American Community Bank of Indiana receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is American Community Bank of Indiana?▼
American Community Bank of Indiana holds $381M in total assets and $343M in deposits, ranking 2,151st of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint John, Indiana.
Is my money safe at American Community Bank of Indiana?▼
Yes, deposits at American Community Bank of Indiana (Certificate #29878) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Community Bank of Indiana's Tier 1 Capital Ratio?▼
American Community Bank of Indiana has a Tier 1 Capital Ratio of 11.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for American Community Bank of Indiana?▼
American Community Bank of Indiana has a Texas Ratio of 18.09%. 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 of Indiana?▼
American Community Bank of Indiana has an Efficiency Ratio of 61.63%. 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 of Indiana's profile as a depositor or analyst.
- American Community Bank of Indiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Community Bank of Indiana against other Indiana banks before moving funds. Indiana 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.