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American Community Bank
Glen Cove, NY · FDIC Certificate #35033 · Chartered 01/1
Total assets
$306.52M
Total deposits
$249.36M
Total equity
$40.65M
Net loans
$247.47M
Branches (offices)
6
Net income (YTD)
$1.77M
Rank: #2,434 of 4,213 U.S. banks by assets · #89 of 115 in New York. Assets changed 5.5% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 8.93% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 13.26% |
| Tier 1 leverage ratio | 13.37% |
| Uninsured deposits (share of deposits) | 41.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.2% |
| Real estate loans (share of loans) | 98.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.72M | 98.5% | |
| Commercial & industrial | $6.65M | 2.7% | |
| Consumer / individual | $5.00K | 0.0% | |
| Construction & development | $611.00K | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $281.07M | $243.84M | $979.00K | $31.25M |
| Jun 2023 | $246.21M | $196.16M | $1.35M | $31.80M |
| Jun 2024 | $273.09M | $206.98M | $949.00K | $33.44M |
| Jun 2025 | $290.67M | $234.78M | $1.48M | $36.84M |
| Jun 2026 | $306.52M | $249.36M | $1.77M | $40.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $249.36M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $249.36M.
Similar-sized banks
Dearborn Federal Savings Bank ($306.65M) · Farmers And Merchants Bank ($306.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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