Bank · FDIC insured
American Community Bank of Indiana
A $383M bank headquartered in St. John, IN, with 5 branches in Indiana. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs773.75%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Community Bank of Indiana
Established in 1910, American Community Bank of Indiana is headquartered in St. John, Indiana.
Originally founded as The First Polish Building Loan & Savings Association in Hammond, it was created to provide safe savings and home loans for the local Polish community.
After operating as American Savings and Loan Association and American Savings, FSB, the institution converted to a state commercial bank with its current name in 2015.
Serving Lake County, Indiana, the bank focuses on residential mortgages, commercial and consumer lending, and community financial services.
- Headquarters
- 7880 Wicker Ave, St. John, IN 46373
- FDIC certificate
- 29878 ↗
Branches
5 branches in Indiana
Loading map…
Indiana
5 branches
- American Community Bank of IndianaMain office7880 Wicker Ave, St. John, IN 46373Directions
- Crown Point Branch11275 Broadway, Crown Point, IN 46307Directions
- Dyer Branch1001 Main St, Dyer, IN 46311Directions
- Hammond Branch4521 Hohman Ave, Hammond, IN 46327Directions
- Old Main Office Br8230 Hohman Ave, Munster, IN 46321Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.83% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio9.83%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Community Bank of Indiana are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.