American Community Bank of Indiana: how it compares with its peers
Against 39 IN banks with half to twice its assets, American Community Bank of Indiana's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $5.8M peer median). Its weakest relative measure is return on assets (1.08% vs. 1.09%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.09% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 3.61% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.40% | 65.83% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $5.8M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.38% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 57.40% is better than the 65.83% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Riddell National Bank Brazil, IN · $384M
- Owen County State Bank Spencer, IN · $389M
- Grant County State Bank Swayzee, IN · $396M
- The Garrett State Bank Garrett, IN · $400M
- Hoosier Heartland State Bank Crawfordsville, IN · $356M
- The Campbell & Fetter Bank Kendallville, IN · $355M
Questions about American Community Bank of Indiana
How big is American Community Bank of Indiana?
American Community Bank of Indiana, established in 1910, is headquartered in Saint John, IN. It reported $383M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is American Community Bank of Indiana's return on assets?
1.08% annualized in Q2 2026, against a 1.09% median for 39 IN banks with half to twice its assets, ahead of 46% of them.
What is American Community Bank of Indiana's efficiency ratio?
57.40% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 65.83%, and lower is better.
Is American Community Bank of Indiana growing its loans?
Net loans grew 10.8% over the year to Q2 2026, while deposits shrank 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.