ACB BANK

CHEROKEE, OK | Small | Est. Jan. 29, 1908, midnight | FDIC #4061 | RSSD #266253 | FDIC
Latest Report: 2025-12-31

ACB BANK is asn small FDIC-insured commercial bank headquartered in CHEROKEE, OK, established in Jan. 29, 1908, midnight. As of 2025-12-31, the bank reported total assets of $143M and total deposits of $114M. Profitability stands at 1.34% ROA and 11.76% ROE, with a net interest margin of 5.12%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.23%. FDIC Certificate #4061.

Assets

$143M

Deposits

$114M

Loans

$108M

Equity

$16M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 11.76%
Net Interest Margin (NIM) 5.12%
Yield on Assets 7.57%
Cost of Funds 2.56%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.09%
Texas Ratio 1.23%
NPA Ratio 0.16%
ACL / Loans 1.99%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.01%
Leverage Ratio 12.07%
Loan-to-Deposit 94.44%

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