# AMERICAN COMMUNITY BANK
GLEN COVE, NY · FDIC certificate 35033 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $306.5M | |
| Deposits | $249.4M | |
| Loans and leases | $250.5M | |
| Total equity | $40.7M | |
| Loans / deposits | 99.24% (p87 of band) | 82.04% |
| Liquid assets / assets | 13.12% (p12 of band) | |
| Uninsured deposits / deposits | 41.30% (p89 of band) | 25.97% |
| Brokered deposits | 1.58% | |
| Wholesale funding | 2.59% (p45 of band) | |
| FHLB advances / assets | 1.01% | |
| Tier 1 leverage | 13.37% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -4.50% (p65 of band) | -8.10% |
| AOCI / equity | 0.19% (p87 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.69% (p87 of band) | 3.91% |
| Efficiency ratio | 68.41% (p69 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 1.50% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 48 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-09 | 1 |  | loans exceed deposits |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, noncurrent p90 |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2013-03 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | assets shrinking |
| 2015-06 | 1 | capital falling | deposits shrinking |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | loans exceed deposits | capital falling |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | loans exceed deposits | assets shrinking |
| 2024-03 | 3 | capital falling | uninsured deposits leaving |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 0 |  | loans exceed deposits, capital falling |
| 2024-12 | 1 | loans exceed deposits |  |
| 2025-03 | 1 | capital falling | loans exceed deposits |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-30 [Alma Bank Announces Agreement to Acquire American Community Bank, Creating a Premier Community Banking Franchise Across New York and New Jersey - PR Newswire](https://news.google.com/rss/articles/CBMipAJBVV95cUxPandMN2c2OGp1RG1XUm5oVzRrSVBHQWs0TS1ZUHpzYkMyMW9zS2Fsc1ZweUpVRE9lQ2dNcHc2SG1lc05hNW1vUW9iTzBNZFMxbzlucWNfbmZTUWdSa1FpcDZDNXJQLW9rUE83U2dHRk40RjB0dUZOX21RVHE4amRGUFNjTW96ZmktUzk2VlVNWGduS3Q5MkpKbXUybmV2TEtHTDBqWmRrdUkxVG9NODMweGxycFlYZFEwdjdJdDdsWnRaNmFIVUVBNkZsNkprNmxxN1UwcGNJR2hMU3hPZmJua2VJWDljWDFVOFZyZ2ZmSzRnZnRMWGh0Tlh1dzNJV18teEtXeGpadzY4Q0ZNRzZCMG16TlExUFlrYzZtdVZKOF9vZkl1?oc=5) · PR Newswire
- 2026-07-31 [Alma Bank To Acquire American Community Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMickFVX3lxTFBvWllCeXljZTZ2azB0aGpyVkg3Z0Rabms5WWZZaXVjaUU2VllnODl3aUhjdWZPLS03VWszQnlvVWdrR1Y0VXlfcmhJNEpiYTBsNjhXS29NRWZXdFBlaVNaemZqcVE5akxJeGFnQUozd2J6QdIBd0FVX3lxTFBwQ3lVY2I4X211czFsSEFENG9Vcm90cXh5VVJnNGZnNk4xNUFfQXQ0dE1adEZKeGN0TWhrNU5FR1JvTHVWWGZTYXZVcEdlV0t6bUZoeDB2cDFHUjQyVEtIQ2hDZjZnOXBOVEJhTmZIaDduRUpTeWVF?oc=5) · Pulse 2.0
- 2026-07-31 [Alma Bank buys American Community Bank to build $2B New York lender - Dealroom](https://news.google.com/rss/articles/CBMiogFBVV95cUxOU3VqMjJWd2FjdG9PUmJSejBrS3hPNU1acDhHV3FYZlhZb2k0dG5fWEJZNTBmTXNVa0dMeGRSOVMwenF4YndnTW1yQnc1d2xuenpscEgweElGMUtjOEVsbUU5Qlg4RDFVSTZ6VWFPSTVCcGRnS083M3ptWkM1Ym5UdW5DanYzQkVJanVTejZOdnY4THVDZ0sxNU1rVDJ5VmsyUGc?oc=5) · Dealroom
- 2025-08-25 [American Community Bank to expand to Syosset, 5th Nassau location - LI Press](https://news.google.com/rss/articles/CBMie0FVX3lxTE5ZMDZyc0NIYUhZN2JpNXBBRXpBQW9JQmplNVVsQWFWemJ4UDN1R2FhUXZlZGxNMlo0RHhuTVdJMW5xU01OMFptOGRNWV8xRF9GS1gzUFpCUzh4QzBTc1VjaUpWWEVHRjhQNm85T3VndlBqTTVfNjEtYUZjTQ?oc=5) · LI Press
- 2018-11-07 [American Community Bank Celebrates Grand Opening In NHP - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRlRkdmhrNDJlQnROSUpTMkVBbUtXY0QtNjN3YTI0a3ZzRXNfWjI1YWt3QUxxZEFGRTdZUnJfNXh2TXlTM1R1T1M5NFlyZy1yTDZFLVRSRkhlVDR2UllzZFUzaTZqcVRLUXVSaHJ2YnlGQnJhajlzN1BkeHh2UDhqMVF2cWdXOTZrTmdtd1ExNzJCdHdoQUE?oc=5) · Patch
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings
- 2026-06-26 [Notable Diverse Leaders in Banking and Finance 2022: James Huang - Crain's New York](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPYmlIRWhtaEx4TEVmdU9Wa1ZiVXFCaDdMWWJzV1hTaV9IVGJZak93MmJuSy00cVpyY2VJaWdyMU9oQ3FGQTVNVlBBRzJiT0NkRTM0S1prQTZzZ1lBM29oNWxTQ3pVMjQzSE9sVmIwQ0h3YjVjZ1hJZUdhXzM2RE5Cckp2SS12Z0FoT2pXQVZFcWZmMDN3VEQwa0pqUXQ3XzVESUVrclN2MTNEMjNEY2pfeGptTkp3eUVQRENMZHpjNGNSTHlzLUlJNWFoNFNEaTFyUDg5dGxDMWo2OGZUUFR1cDd2RUlaMHBxa05RUG5GZ2UwZw?oc=5) · Crain's New York

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35033 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "35033", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide