Acb Bank
BankRegReports is independent of Acb Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Acb Bank is an FDIC-insured commercial bank headquartered in Cherokee, OK, established in 1908 (FDIC certificate 4061), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $135.5M, down 3.2% from Q2 2025, the 117th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4061
- Headquarters
- Cherokee, OK
- Established
- 1908
- Total assets, Q2 2026
- $135.5M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 12.24%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103102368
- Holding company
- ALFALFA COUNTY BANCSHARES, INC.
- Asset rank in state
- 117th of 169 in Oklahoma
Acb Bank, based in Cherokee, Oklahoma, reported $135 million in assets at June 30, 2026, down 3.2% from a year earlier. It shrank its loan book 1.0% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also carries problem assets equal to 10.1% of the capital and reserves that would absorb them, 3.8 times the median of 2.6% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.77% of loans from 3.37%. Its $20 million non-owner-occupied commercial real estate book is improving, with 0.81% past due or on nonaccrual, down from 3.15% a year earlier. Funding is the softer spot: it pays an average of 2.38% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Acb Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 1.77% and a Texas ratio of 10.11%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Acb Bank is the 117th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $135.5M, loans fell 1.7% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 29.9% of total loans, ahead of farmland and other real estate loans at 21.1%. Its 3 offices in the FDIC Summary of Deposits are in Cherokee, OK, Waukomis, OK and Garber, OK; its Cherokee office books 73% of its branch deposits. On its Q2 2026 call report, Acb Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 323 S Grand Ave, Cherokee, OK 73728
- County
- Alfalfa
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 29, 1908
- Former names
- Acb (2004-2006); Alfalfa County Bank (1977-2004)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $114.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $559K
- Average total assets
- $142.4M
- Average total loans
- $103.9M
- Average interest-bearing deposits
- $93.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4061
- Fed RSSD
- 266253
- Website
- www.acbbank.net →
- Parent Holding Company
- ALFALFA COUNTY BANCSHARES, INC. (RSSD 1055708)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Acb Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Acb Bank's total assets ranged from $129.3M (Q3 2023) to $143.8M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$135.5M total assets against $139.9M; $119.1M total liabilities against $124.9M.
$101.4M net loans and leases against $101.9M; $114.8M total deposits against $112.4M.
$19.6M securities against $18.1M; $5.1M cash and balances due against $10.2M.
$2.0M total interest income against $2.1M; $733K total interest expense against $788K.
$1.2M net interest income against $1.3M.
$89K total noninterest income against $121K; $874K total noninterest expense against $854K.
$125K provision for credit losses against $75K.
$321K net income against $488K.
0.90% return on assets against 1.43%; 3.78% net interest margin against 4.12%.
12.24% tier 1 leverage ratio against 12.20%.
Inside the full Acb Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAcb Bank rankings
Its closest position to the top of a national ranking is 633 of 3,640, for Texas Ratio; its furthest is 3,408 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q4 2024) to 2.36% (Q3 2025) and its net interest margin ran from 3.51% (Q4 2024) to 5.05% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 0.90% | 1.77% | 10.11% | 3.78% |
| Q1 2026 | 12.41% | 1.84% | 0.14% | 0.77% | 4.22% |
| Q4 2025 | 12.07% | 1.33% | 0.21% | 1.23% | 5.05% |
| Q3 2025 | 12.01% | 2.36% | 2.19% | 12.49% | 4.90% |
| Q2 2025 | 12.20% | 1.43% | 3.37% | 20.32% | 4.12% |
| Q1 2025 | 11.62% | 1.19% | 3.48% | 20.97% | 3.80% |
| Q4 2024 | 11.35% | 0.34% | 3.55% | 22.10% | 3.51% |
| Q3 2024 | 11.46% | 0.87% | 2.86% | 17.38% | 3.65% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Acb Bank (main office) | Cherokee , OK | 73728 | $84.3M |
| Waukomis Branch | Waukomis , OK | 73773 | $17.6M |
| Garber Branch | Garber , OK | 73738 | $12.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 132 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Acb Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Acb Bank
What are Acb Bank's total assets?
As of the Q2 2026 filing, Acb Bank reported total assets of $135.5 million in its FFIEC call report.
Where is Acb Bank headquartered?
It is headquartered in Cherokee, OK, United States.
When was Acb Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Acb Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Acb Bank?
Acb Bank's primary federal regulator is the FDIC.
How many branches does Acb Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Acb Bank's Texas Ratio?
Its Texas Ratio is 10.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Acb Bank previously called?
The charter now named Acb Bank has also operated as Acb (2004-2006), Alfalfa County Bank (1977-2004), per FDIC structure-change records.
Go deeper on Acb Bank.
Get an email when Acb Bank files its next call report, and benchmark it against any peer you choose.
Unlock Acb Bank, freeFree account