# AMERICANA COMMUNITY BANK
SLEEPY EYE, MN · FDIC certificate 8205 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $179.9M | |
| Deposits | $152.7M | |
| Loans and leases | $142.8M | |
| Total equity | $19.4M | |
| Loans / deposits | 92.59% (p83 of band) | 73.59% |
| Liquid assets / assets | 17.53% (p17 of band) | |
| Uninsured deposits / deposits | 24.75% (p67 of band) | 19.81% |
| Brokered deposits | 2.88% | |
| Wholesale funding | 6.56% (p77 of band) | |
| FHLB advances / assets | 1.67% | |
| Tier 1 leverage | 11.66% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -9.71% (p41 of band) | -6.57% |
| AOCI / equity | -0.56% (p42 of band) | |
| ROA (annualized) | 0.62% (p22 of band) | 1.17% |
| Net interest margin | 4.30% (p68 of band) | 3.93% |
| Efficiency ratio | 75.94% (p72 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 157.53% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 16.02% (p48 of band) | |
| Auto loans | $443,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, charge-offs p90, construction >100% equity |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 8 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 7 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2012-09 | 6 |  | charge-offs p90 |
| 2012-12 | 6 |  |  |
| 2013-03 | 8 | capital falling, charge-offs p90 |  |
| 2013-06 | 6 | AOCI drag >20% of equity, securities losses >30% of equity | losing money, expense ratio p90, capital falling, charge-offs p90 |
| 2013-09 | 6 |  |  |
| 2013-12 | 8 | deposits shrinking, assets shrinking |  |
| 2014-03 | 7 | losing money, expense ratio p90 | leverage <5%, AOCI drag >20% of equity |
| 2014-06 | 5 |  | construction >100% equity, losing money |
| 2014-09 | 4 |  | securities losses >30% of equity |
| 2014-12 | 3 | losing money | deposits shrinking, assets shrinking |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 5 | leverage <5% | losing money |
| 2015-09 | 2 |  | capital falling, leverage <5% |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 3 | capital falling | losing money |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, expense ratio p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 3 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | reserve under noncurrent | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 0 |  | capital falling, leverage <7% |
| 2022-06 | 0 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2022-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 | uninsured deposits leaving | capital falling |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2019-02-23 [Adam Dittrich, Americana Community Bank President/CEO Travels to DC - hometownsource.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQMzJWSjJnLUpsd0VPRUJZTHJZaEhCRzYzWGN4S3NXZVBPZUlTampvNlljNVM3OU5UNUJqUXBZb2k1UmRVR3pLZUN2UVp0RkVESzZKeE53eC0yVDR5aWlDYWx2WndNbC03dlhjQzNkSVF4TWVTVmVZWFpvRHU1N0xNOXJZM0lQZEl3ZXY3X3MyM19ON0F4Q1VqdmFZWGtIT0hreldNZW1PeUR6alZFSzhRb3JmYXVpWWNZbXZJazgzVlk5TnBSM1RTT2ZzU2pYcWdFcmtBTHJMRGVWcnRualczOFdwN1hNUS1HUjN5aVNxYzRRRkFBd2VUWFo0UQ?oc=5) · hometownsource.com
- 2024-11-07 [Charles "Chisey" Hansen Obituary Nov 7, 2024 - sturmfh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE56UHYxTmNJUG82c2dtckZfeUhGY2c3QlJJdG5tZDE5Vkg0MDd5bEJUN2FsRDVrZHc1bm1ENVhfSkJxdmJ2ZzQ4RHprRDViZG8wNEZoRkJMUUNnYUcxZVE?oc=5) · sturmfh.com
- 2017-09-19 [Customer service for a combined 165 years! - delawareonline.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWExERlVNUVhsb2QySmM3bGo0aUU2WlJvQkhBQlFFQXlhUjNseEtGd3NWLW1zV3N1R0UyME9IMHJUamU4X3VIWGZPM1o4bGV6OW5mcDlZUzRQV3VfVDUwUE1IRkNKQ3hVMWctd1A2QUU4OXRtMHlVREZSX3pNY0VlbzVaU2h6SzVWMXdkNHZyM0l4b0s1VmowYWpoY3hSS0NLZlBJaW1n?oc=5) · delawareonline.com
- 2025-02-08 [2 officers join Eden Prairie Police - Pioneer Press](https://news.google.com/rss/articles/CBMif0FVX3lxTE50NlZRNVBpTEwtc09MSmFfUmd5OUNXOUJKbEpvLXZNVGVNVEpCU3F6bkhaeldPSlZjQUx3YkhtZm5lUXhTR1pDSHZwUGYxTmRqRkhaZXRHRGR0V0xqbWkxSlU2ckVPR2E0RmJqdnM0ZGN6TWx2cDNvWTJUNEJMU28?oc=5) · Pioneer Press
- 2025-11-11 [Just Sold: Memory-care firm buys buildings back - Finance & Commerce](https://news.google.com/rss/articles/CBMijAFBVV95cUxNdThhbWI5cVRHVGMtSTlMYi1ZOWtiYmhtUV9Xcy1sc3Vna3ZnY0FGaU1xaTB6ekxBN3NPb1V5N0daY2xDQlBmaGVsdGFJaGFObEZXY2JaYWdrQWdsa1M2YmtuUDZndUR1cVdDb3JPNU1Xczh0a3JodzdmVXBVV3d0T0FNM0RjYlFyV09zVQ?oc=5) · Finance &amp; Commerce
- 2025-03-22 [Sleepy Eye man needs open heart surgery - - nujournal.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNLWtZeEthMXBEUXlCcG5JV3dOTVI0RWlkc1JramhNVG5SSjl5Rkc5a3oyZGN4VmQyTUNuVVgxSVVaZVJRaUJtMmZockVRbGlQeTZkTFNEbU4ySUxDMDRBRjNLZVZvZnQzY3hzS1pROUpHSTFNZnc5Z29HbVZia2Nfa19xVE83TmhzWGIxWlRuUnQ3SVozbjlLSA?oc=5) · nujournal.com
- 2013-09-01 [David Wagner Obituary (1950 - 2013) - Sartell, MN - St. Cloud Times - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPakx2a3FKLU9zNVp3TEdFekNKWUk0ODI1cWROOGVOX1FhUHd5R21ESV9lcHJpQjdpSXE2UFhYVXozMHJpdXViUzhZd2xDT3Vyb1gzemdtazJ3ZHc4aF9BV0laSkptdnV1RzdDQmdVd3YtOW1CbkppM3pMXzBhRHdNRHMxdjhVNHlkZlkw?oc=5) · Legacy obituary
- 2012-10-25 [Uber family rescues its Owatonna tannery after bankruptcy - Pioneer Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZ2xaZENOZE13bG1iOWs3bjd2aFZvc1NQeG1MbkRnUXdZVHRKUjF2dXZaYXU3b1FkbW0waElCbXZXQi01T21FRHlka2lHM3JhVmFObml2OVQ1UHZfc1hQb0dPVjNSX2Z1aTBaMTFRdVlvQUo0ZWowVTlra3hDTXY4VmxSbk8yZlM1eGphRnJqUVUyWHV3RUJBSTBhMFk?oc=5) · Pioneer Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8205 (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/13.json (key "8205", 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.

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