American Community Bank of Indiana
Saint John, IN
IDRSSD: 1010574
Total Assets
$389.83M
Latest filing
Total Deposits
$352.70M
Latest filing
Net Interest Margin
3.59%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American Community Bank of Indiana
7880 Wicker Ave
Saint John, IN 46373
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1910FDIC Certificate 42712
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Community Bank of Indiana (Main) | 7880 Wicker Ave | Saint John, IN |
| HAMMOND BRANCH | 4521 Hohman Ave | Hammond, IN |
| DYER BRANCH | 1001 Main St | Dyer, IN |
| CROWN POINT BRANCH | 11275 Broadway | Crown Point, IN |
| OLD MAIN OFFICE BR | 8230 Hohman Ave | Munster, IN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46373 |
| State and County Number | 18089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 41 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.acbanker.com |
| Data Updated | 11/14/2025 |
| CERT | 29878 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $389.83M |
| Total Deposits | $352.70M |
| Total Liabilities | $355.26M |
| Total Equity Capital | $34.57M |
| Net Income | $1.04M |
| Net Loans and Leases | $291.31M |
| Assets Per Employee ($Millions) | $9.28M |
| Bank Premises and Fixed Assets | $8.98M |
| Cash and Balances due from Depository Institutions | $57.15M |
| Deposits Held in Domestic Offices | $352.70M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 12.21% |
| Net Interest Margin | 3.59% |
| Efficiency Ratio | 61.12% |
| Tier 1 Risk-Based Capital Ratio | 11.787% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.868% |
| Earning Assets to total Assets | 94.68% |
Income and Expense
| Total Interest Income | $5.51M |
| Total Noninterest Income | $408.00k |
| Total Interest Expense | $2.23M |
| Total Noninterest Expense | $2.26M |
| Net Interest Income | $3.29M |
| Pre-tax Net Operating Income | $1.40M |
| Provision for Credit Losses | $34.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $368.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.56M |
| Total Liabilities and Capital | $389.83M |
Securities
| Securities | $23.22M |
| Available-for-sale debt securities | $23.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Community Bank of Indiana?
$389.83M as of the latest filing.
How much are American Community Bank of Indiana's total deposits?
$352.70M in total deposits.
Where is American Community Bank of Indiana located?
Saint John, IN.
What is the Net Interest Margin?
3.59%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$291.31M (latest filing).
What is the total interest income (latest filing)?
$5.51M.