🏦Bank Scorer

AMERICAN COMMUNITY BANK OF INDIANA

SAINT JOHN, IN · Supervised by FDIC

Est. 1910FDIC #29,878RSSD: FDIC-29878
Part ofAMB FINANCIAL CORP→ View all charters
Satisfactory Up

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

7880 Wicker Ave, SAINT JOHN, IN

County

Lake County

Established

January 1, 1910

Total Assets

$377M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$377M

Total Deposits

$339M

Net Loans

$307M

Net Income

$1M

ROA

1.17%

ROE

12.83%

Risk-Based Capital

12.30%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$347M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249896.94%0.00%
202315094.67%1.33%
202220690.78%0.49%
202146095.43%0.00%
202046198.7%0.22%
201919093.16%1.05%
201816887.5%2.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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