BlastPoint's Banking Scorecard
American Community Bank of Indiana
Micro
Specialty: Commercial
IN
FDIC cert 29878
Designations: ✓ Community bank
Saint John, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
American Community Bank of Indiana faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.60% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$380.9M
+2.2% YoY
-2.3% QoQ
|
+$163.4M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$303.2M
+7.4% YoY
+4.1% QoQ
|
+$164.0M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$343.0M
+1.2% YoY
-2.8% QoQ
|
+$159.3M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.98%
+27.6% YoY
+3.0% QoQ
|
-0.10% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.61%
+14.9% YoY
+5.0% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
61.63%
-13.3% YoY
-4.1% QoQ
|
-6.10% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
2.23%
+169.2% YoY
+73.4% QoQ
|
+1.59% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
88.40%
+6.1% YoY
+7.0% QoQ
|
+13.87% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
15.00%
+3.8% YoY
-5.9% QoQ
|
-7.39% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
2.05%
+226.9% YoY
+94.4% QoQ
|
+1.60% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
11.01%
-2.4% YoY
-6.6% QoQ
|
+2.15% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.36%
+7.6% YoY
+29.4% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.05%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $343.0M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $380.9M · Tier avg: $217.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 74.53%
62
62th pctile
Efficiency Ratio
Current: 61.63% · Tier avg: 67.73%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.00% · Tier avg: 22.39%
11
11th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.64%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.00% · Tier avg: 22.39%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 8.85%
62
62th pctile
Efficiency Ratio
Current: 61.63% · Tier avg: 67.73%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 74.53%
86
86th pctile
Total Assets
Current: $380.9M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $343.0M · Tier avg: $183.7M
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M