What is American Community Bank's financial health grade?

American Community Bank has a TFS Financial Health Grade of C- (score: 71.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does American Community Bank have?

American Community Bank has 5 branch locations across the United States.

Is American Community Bank FDIC insured?

Yes, American Community Bank is FDIC insured (Certificate #35033).

What are the total assets of American Community Bank?

American Community Bank has total assets of $321.4M as reported in its most recent FDIC filing.

American Community Bank

BankGlen Cove, New York

http://www.acbalways.com

Total Assets

$321.4M

Total Deposits

$262.1M

Branches

Established

2000

TFS Health Grade

C-

71.8 / 100

Average financial health

How we grade

American Community Bank is a bank headquartered in Glen Cove, New York, established in 2000. With $321.4M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.60%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.06%(1%)

Return on Equity (ROE)

8.41%(10%)

Net Interest Margin

4.60%

Efficiency Ratio

68.30%(60%)

Lending & Liquidity

Total Loans

$238.0M

Loan-to-Deposit Ratio

89.67%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+16.28%

Deposit Growth (YoY)

+20.95%

Net Income

$3.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
American Community BankHQ	300 Glen St	Glen Cove	NY	11
American Community Bank	100 Commack Rd	Commack	NY	11
American Community Bank	285 Jericho Tpke	Mineola	NY	11
American Community Bank	799 Hillside Ave	New Hyde Park	NY	11
American Community Bank	68 West Main Street	Oyster Bay	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.