Compared with Indiana
13 of 21
compared fees are above the median.
1 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
22nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 21 compared; 1 below, 7 about the same
See the feesFee schedule read Apr 20, 2026
Call-report figures are for American Community Bank of Indiana at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American Community Bank of Indiana's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (22nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $47K in Q2 2026, 6.0% below the same quarter a year earlier ($50K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 21 compared published fees sit above the Indiana median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Indiana medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.0% from Q3 2025 to Q2 2026, to $47K. Its share of revenue, 1.1%, is below the 2.1% median for banks with $300M to $1B in assets.
$47K
American Community Bank of IndianaMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
American Community Bank of Indiana · $383M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Community Bank of Indiana(this institution) | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Appomattox | Appomattox, VA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.73 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
American Community Bank of Indiana does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for American Community Bank of Indiana (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $47K | +$3K | +6.8% |
| Q1 2026 | $44K | −$1K | −2.2% |
| Q4 2025 | $45K | −$5K | −10.0% |
| Q3 2025 | $50K | $0 | 0.0% |
| Q2 2025 | $50K | $0 | 0.0% |
| Q1 2025 | $50K | −$1K | −2.0% |
| Q4 2024 | $51K | $0 | 0.0% |
| Q3 2024 | $51K | −$2K | −3.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, American Community Bank of Indiana left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to American Community Bank of Indiana by share.
Amounts from American Community Bank of Indiana’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · First six (6) months
per month · 90 days inactive
varies · 24 months inactive, quarterly charge
per quarter
per month · 90 days inactive
per item
per item
per day
per item
per item
per item
per item
per item · customers only
per item
per item
per item
per item
per item
per year
per year
per year
per year
per item
per item · Per hour (1 hr. min.)
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account – First Six (6) Months | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | First six (6) months |
| Dormant Account Fee – Checking | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | 90 days inactive |
| Dormant Account Fee – Savings | $15Above the U.S. middle 50% ($5 to $10 nationally) | varies | 24 months inactive, quarterly charge |
| Dormant Account Fee – Savings (24 months inactive) | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Online Banking Inactivity Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | 90 days inactive |
| Lost Passbook | $10Inside the U.S. middle 50% ($7 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft: ATM/POS Withdrawal | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft: Check Paid | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft: In Person | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item: Non-Sufficient Funds Check Returned | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Processing (Sweep) Fee | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Debit/ATM Card Reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit/ATM Card Reissue – Expedited | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer – Outgoing (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer – Incoming (Domestic) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer – Outgoing (International) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer – Incoming (International) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | customers only |
| Cashier’s Check (customers only) | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $6Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian Item Accepted for Deposit | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| 10” X 10” (CP + D + S) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3” X 10” (D + S) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5” X 10” (CP + D + S) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5” X 5” (S only) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box – Lost Key/Lock Drilled | $175Not compared: Box drilling or key fee | per item | None |
| Account Research & Court Orders (Levy/Collections/Citations) | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | Per hour (1 hr. min.) |
| Deposit Verification | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Custodian Transfer Processing (Outgoing) | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Apr 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where American Community Bank of Indiana operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $344.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $344.8M |
Chicago-Naperville-Elgin, IL-IN
0.1% of bank deposits, #81 of 147, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.4% |
| BMO Bank National Association | 16.9% |
| CIBC Bank USA | 7.8% |
| Bank of America, National Association | 6.6% |
| The Northern Trust Company | 6.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Chicago-Naperville-Elgin, IL-IN, American Community Bank of Indiana holds 0.1% of bank deposits, #81 of 147, with 5 offices.
900 offices of 25 institutions shown.
Showing 900 of 2,460 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 147 institutions shown. $630.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 5 offices, #81 of 147
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
357 offices of 133 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.