Acb Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Acb Bank of Cherokee, OK against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.25% | -0.35% | 27th below |
| ROAE | 7.72% | 12.22% | -4.50% | 23rd bottom |
| Net Interest Margin | 3.78% | 3.95% | -0.17% | 41st below |
| Efficiency Ratio | 64.64% | 63.71% | +0.93% | 39th below |
| PPNR / Avg Assets | 1.25% | — | — | 30th below |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 2.38% | 1.87% | +0.51% | 18th bottom |
| Net Interest Spread | 3.06% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 0.88% | +0.89% | 15th bottom |
| NPA / Total Assets | 1.35% | — | — | 14th bottom |
| NCO / Avg Loans | 0.82% | 0.15% | +0.67% | 4th bottom |
| ACL / Total Loans | 1.66% | — | — | 86th top |
| ACL / NPLs (Coverage) | 93.54% | — | — | 25th below |
| Texas Ratio | 10.11% | 5.96% | +4.15% | 18th bottom |
| Provision / NCO | 58.69% | — | — | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.24% | 11.75% | +0.49% | 67th above |
| Equity / Assets | 12.09% | 10.98% | +1.11% | 71st above |
| TCE / Tangible Assets | 12.09% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.86% | 80.44% | +9.42% | 29th below |
| Core Deposit Ratio | 84.78% | 86.95% | -2.17% | 30th below |
| Wholesale Funding Ratio | 2.68% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.20% | — | — | 7th bottom |
| Loan Growth (Y/Y) | -0.96% | — | — | 18th bottom |
| Deposit Growth (Y/Y) | 2.08% | — | — | 35th below |
See Acb Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Acb Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Acb Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Acb Bank peer analysis.