Acb Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets climbed 5.02 percentage points in Q2 2026, from 79.71% to 84.73%. It was the largest change from Q1 2026 among the key lines here. Acb Bank ranks 136th of 169 Oklahoma banks on return on assets, in the lower half at 0.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Acb Bank sits 0.36 points lower, at 0.90% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.24% |
| Equity capital to assets | 12.09% |
| Tangible equity to tangible assets | 12.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.77% |
| Non-performing assets ratio | 1.35% |
| Net charge-off ratio | 0.82% |
| Texas ratio | 10.11% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | 93.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 7.72% |
| Net interest margin | 3.78% |
| Efficiency ratio | 64.64% |
| Yield on earning assets | 5.97% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.86% |
| Core deposits to total deposits | 84.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.73% |
| Securities to assets | 14.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.03% | -0.42% | 3.94% | 2.33% | 3.89% |
| Q4 2023 | 11.45% | -2.77% | 3.06% | 2.44% | 0.01% |
| Q1 2024 | 11.39% | 0.88% | 3.63% | 2.38% | -0.02% |
| Q2 2024 | 11.60% | 0.65% | 3.77% | 2.95% | 1.12% |
| Q3 2024 | 11.46% | 0.87% | 3.65% | 2.86% | 2.91% |
| Q4 2024 | 11.35% | 0.34% | 3.51% | 3.55% | 1.85% |
| Q1 2025 | 11.62% | 1.19% | 3.80% | 3.48% | 0.08% |
| Q2 2025 | 12.20% | 1.43% | 4.12% | 3.37% | 0.00% |
| Q3 2025 | 12.01% | 2.36% | 4.90% | 2.19% | 0.01% |
| Q4 2025 | 12.07% | 1.33% | 5.05% | 0.21% | 0.26% |
| Q1 2026 | 12.41% | 1.84% | 4.22% | 0.14% | 1.30% |
| Q2 2026 | 12.24% | 0.90% | 3.78% | 1.77% | 0.82% |
Acb Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Acb Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Acb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4061) · FFIEC NIC profile (RSSD 266253)