Avb Bank
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Data as of · sourced from FFIEC call reports. How we update
Avb Bank is an FDIC-insured commercial bank headquartered in Broken Arrow, OK, established in 1905 (FDIC certificate 2326), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $612.3M, up 15.3% from Q2 2025, the 42nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2326
- Headquarters
- Broken Arrow, OK
- Established
- 1905
- Total assets, Q2 2026
- $612.3M
- Assets vs Q2 2025
- +15.3%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103102892
- Holding company
- ARKANSAS VALLEY BANCSHARES, INC.
- Asset rank in state
- 42nd of 169 in Oklahoma
Avb Bank, based in Broken Arrow, Oklahoma, reported $612 million in assets at June 30, 2026, up 15.3% from a year earlier. It grew deposits 17.0% over the year, 4.2 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 13% from a year earlier, to $1.5 million. Over the same year, loans grew 4.2% and deposits grew 17.0%. Where it has less room is capital: it holds common equity equal to 11.80% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Avb Bank reported a CET1 capital ratio of 11.80%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Avb Bank is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.6% to $612.3M, loans rose 3.6% and deposits rose 7.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.4% of total loans, followed by owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 4 offices for it, in Broken Arrow, OK and Tulsa, OK; its Broken Arrow 3 offices book 96% of its branch deposits. Judged on its Q2 2026 call report, Avb Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 322 S Main St, Broken Arrow, OK 74012
- County
- Tulsa
- Metro Area
- Tulsa, OK
- 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
- February 16, 1905
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $541.5M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $583.6M
- Average total loans
- $442.6M
- Average interest-bearing deposits
- $433.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2326
- Fed RSSD
- 262059
- Website
- www.avb.bank →
- Parent Holding Company
- ARKANSAS VALLEY BANCSHARES, INC. (RSSD 1057980)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Avb Bank's total assets ranged from $461.0M (Q3 2023) to $612.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$612.3M total assets against $531.2M; $562.6M total liabilities against $486.4M.
$446.0M net loans and leases against $427.6M; $541.5M total deposits against $463.0M.
$67.5M securities against $69.3M; $70.3M cash and balances due against $7.2M.
$8.2M total interest income against $7.5M; $2.2M total interest expense against $2.1M.
$6.0M net interest income against $5.5M.
$517K total noninterest income against $509K; $4.5M total noninterest expense against $4.2M.
-$39K provision for credit losses against $44K.
$1.5M net income against $1.3M.
1.04% return on assets against 1.01%; 4.27% net interest margin against 4.31%.
11.80% CET1 capital ratio against 11.68%; 9.46% tier 1 leverage ratio against 9.72%.
Inside the full Avb Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Avb Bank rankings
Its closest position to the top of a national ranking is 1,527 of 4,196, for total assets; its furthest is 1,776 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.56% (Q4 2025) and its net interest margin ran from 3.71% (Q3 2024) to 4.31% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.04% | 0.41% | 3.28% | 4.27% |
| Q1 2026 | 11.84% | 0.81% | 0.48% | 3.77% | 4.04% |
| Q4 2025 | 12.63% | 1.56% | 0.44% | 3.30% | 4.31% |
| Q3 2025 | 12.04% | 1.06% | 0.45% | 3.47% | 4.30% |
| Q2 2025 | 11.68% | 1.01% | 0.45% | 3.73% | 4.31% |
| Q1 2025 | 11.83% | 0.81% | 0.48% | 3.90% | 3.91% |
| Q4 2024 | 12.21% | 0.68% | 0.06% | 0.45% | 3.87% |
| Q3 2024 | 12.16% | 0.71% | 0.00% | 0.00% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Avb Bank (main office) | Broken Arrow , OK | 74012 | $411.1M |
| South Branch | Broken Arrow , OK | 74011 | $55.5M |
| Stone Wood Hills Branch | Broken Arrow , OK | 74012 | $54.0M |
| Mingo Branch | Tulsa , OK | 74146 | $20.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 45 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 107 applications, 90 loans originated, $36.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Avb Bank
What are Avb Bank's total assets?
As of the Q2 2026 filing, Avb Bank reported total assets of $612.3 million in its FFIEC call report.
Where is Avb Bank headquartered?
It is headquartered in Broken Arrow, OK, United States.
When was Avb Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Avb Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2326). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Avb Bank?
Avb Bank's primary federal regulator is the FDIC.
What is Avb Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Avb Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Avb Bank's Texas Ratio?
Its Texas Ratio is 3.28% 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.
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