Call reports 2026
AMERICAN COMMUNITY BANK & TRUST — 2026
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,173,282,000 | 1,177,625,000 |
| Total loans | 782,685,000 | 798,541,000 |
| Allowance for loan losses | 9,870,000 | 10,657,000 |
| Securities available for sale | 235,742,000 | 226,170,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,011,466,000 | 1,014,288,000 |
| Interest-bearing deposits | 741,385,000 | 722,761,000 |
| Noninterest-bearing deposits | 270,081,000 | 291,527,000 |
| Equity capital | 117,949,000 | 120,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 15,154,000 | 30,571,000 |
| Interest expense | 4,385,000 | 8,934,000 |
| Net interest income | 10,769,000 | 21,637,000 |
| Noninterest income | 1,559,000 | 3,265,000 |
| Noninterest expense | 5,997,000 | 12,697,000 |
| Provision for loan losses | 728,000 | 1,393,000 |
| Pretax income | 5,668,000 | 10,867,000 |
| Income tax | 1,479,000 | 2,823,000 |
| Net income | 4,189,000 | 8,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 119,599,000 | 122,588,000 |