American Community Bank: how it compares with its peers
Against 32 NY banks with half to twice its assets, American Community Bank's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $7.1M).
| Measure | American Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 0.69% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 3.70% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.41% | 71.79% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $7.1M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.24% | 85.84% | Context |
What it means for lending operations
Its efficiency ratio of 68.41% is better than the 71.79% 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
- Global Bank New York, NY · $304M
- Bank of Millbrook Millbrook, NY · $312M
- Carthage Savings and Loan, National Association Carthage, NY · $312M
- Seneca Savings Bank, National Association Baldwinsville, NY · $312M
- The Upstate National Bank Ogdensburg, NY · $295M
- Abacus Federal Savings Bank New York, NY · $321M
Questions about American Community Bank
How big is American Community Bank?
American Community Bank, established in 2000, is headquartered in Glen Cove, NY. It reported $307M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is American Community Bank's return on assets?
1.12% annualized in Q2 2026, against a 0.69% median for 32 NY banks with half to twice its assets, ahead of 69% of them.
What is American Community Bank's efficiency ratio?
68.41% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 71.79%, and lower is better.
Is American Community Bank growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 6.2%.
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 NY 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 New York bank ranked.