Acb Bank Routing Number (ABA): 103102368

Acb Bank at a glance

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.

Total assets, Q2 2026

$135.5M

Tier 1 leverage ratio, Q2 2026

12.24%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

3 FDIC institution directory, current count

Established

1908

Full financial profile · Is Acb Bank safe? · Branch locations

What the digits mean

The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0236, identify the institution within that district. The last digit, 8, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Acb Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Acb Bank checks or in its online banking. Ask the bank for wire instructions (www.acbbank.net). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Acb Bank

Acb Bank is headquartered in Cherokee, Oklahoma and was established in 1908. It reported $135.5M in total assets and $114.8M in deposits for Q2 2026, the 117th largest of the 169 banks headquartered in Oklahoma. See the largest banks in Oklahoma by total assets. It reports 3 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.

What the digits in 103102368 mean

The first four digits, 1031, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0236, identify the institution within its Federal Reserve district. The last digit, 8, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 5 + 7 x 6 + 13 = 70, a multiple of 10, so 103102368 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Acb Bank routing number?

The Acb Bank routing number is 103102368. It is the primary ABA routing transit number registered to Acb Bank, headquartered in Cherokee, OK. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the Acb Bank wire routing number?

This page lists the primary routing number registered to Acb Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Acb Bank before sending a wire.

Is ABA number 103102368 the routing number for Acb Bank?

Yes. It is the primary routing number registered to Acb Bank.

Which bank uses routing number 103102368?

It belongs to Acb Bank, headquartered in Cherokee, OK. It is the bank's primary ABA routing number (FDIC certificate 4061).

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