American Cmty Bank of In
Saint John, Indiana · FDIC Cert #29878
American Cmty Bank of In is an FDIC-insured bank (Certificate #29878) with $379M in total assets and $346M in total deposits as of the Q2 2024 Call Report. Headquartered in Saint John, Indiana, the bank maintains a Tier 1 capital ratio of 10.81% (Well-Capitalized) and a nonperforming loan ratio of 0.80%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Cmty Bank of In (FDIC cert 29878) is a community bank — $379M in total assets, $346M in deposits, serving the Saint John, Indiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.81% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.80% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 19.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.93% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. American Cmty Bank of In carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Cmty Bank of In
- Total Assets
- $379M
- Total Deposits
- $346M
- Tier 1 Capital Ratio
- 10.81%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.80%
- Liquidity Ratio
- 19.73%
- Return on Assets
- 0.93%
- Headquarters
- Saint John, Indiana
- FDIC Certificate
- #29878
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Cmty Bank of In holds a Tier 1 capital ratio of 10.81%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Cmty Bank of In has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Cmty Bank of In shows strong financial health indicators. With $379M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Cmty Bank of In Compares
American Cmty Bank of In’s Health Score of 69 is 1 points below the Indiana state average of 70 across 73 FDIC-insured banks. Its 10.81% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 0.80% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.93% is below the national ROA benchmark of ~1.1%. Among 1554 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, American Cmty Bank of In is 1 points below the portfolio average of 70.
Frequently Asked Questions
American Cmty Bank of In has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.81%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Cmty Bank of In's Tier 1 capital ratio of 10.81% and nonperforming loan ratio of 0.80% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Cmty Bank of In is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29878). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Cmty Bank of In holds $379M in total assets and $346M in total deposits. It is headquartered in Saint John, Indiana (FDIC Certificate #29878).
American Cmty Bank of In has a Tier 1 capital ratio of 10.81%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.80%, and the return on assets is 0.93%.
Yes. American Cmty Bank of In is FDIC-insured (Certificate #29878). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Cmty Bank of In's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.