American Community Bank
Glen Cove, NY
IDRSSD: 2871558
Total Assets
$321.44M
Latest filing
Total Deposits
$262.11M
Latest filing
Net Interest Margin
4.67%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021413388GLEN COVE, NY
Key People
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Locations
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Main Office
American Community Bank
300 Glen St
Glen Cove, NY 11542
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/10/2000FDIC Certificate 73857
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Community Bank (Main) | 300 Glen St | Glen Cove, NY |
| COMMACK BRANCH | 100 Commack Rd | Commack, NY |
| MINEOLA BRANCH | 285 Jericho Tpke | Mineola, NY |
| HILLSIDE AVENUE BRANCH OFFICE | 799 Hillside Ave | New Hyde Park, NY |
| OYSTER BAY BRANCH | 68 West Main Street | Oyster Bay, NY |
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 | 01/10/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 11542 |
| State and County Number | 36059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 45 |
| 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 | 01/10/2000 |
| Primary Insurance Agency | DIF |
| Website | http://www.acbalways.com |
| Data Updated | 01/30/2026 |
| CERT | 35033 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $321.44M |
| Total Deposits | $262.11M |
| Total Liabilities | $282.19M |
| Total Equity Capital | $39.25M |
| Net Income | $835.00k |
| Net Loans and Leases | $235.05M |
| Assets Per Employee ($Millions) | $6.84M |
| Bank Premises and Fixed Assets | $9.72M |
| Cash and Balances due from Depository Institutions | $42.38M |
| Deposits Held in Domestic Offices | $262.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 8.64% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 67.51% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.211% |
| Earning Assets to total Assets | 93.21% |
Income and Expense
| Total Interest Income | $4.66M |
| Total Noninterest Income | $495.00k |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $3.35M |
| Pre-tax Net Operating Income | $1.14M |
| Provision for Credit Losses | $108.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.83M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.33M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.25M |
| Total Liabilities and Capital | $321.44M |
Securities
| Securities | $22.50M |
| Available-for-sale debt securities | $22.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$321.44M as of the latest filing.
How much are American Community Bank's total deposits?
$262.11M in total deposits.
Where is American Community Bank located?
Glen Cove, NY.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
5.
When was it established?
01/10/2000.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$235.05M (latest filing).
What is the total interest income (latest filing)?
$4.66M.