Acb Bank
Cherokee, OK · Cert 4061 · Peer group: banks under $1B in assets in OK (n=87-88) · Alfalfa County Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$135.5MAssets
$103.1MLoans
$114.8MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 61% of banks under $1B in assets in OK (rank 34 of 88).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in OK (rank 79 of 87).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.14%
Rank 52 of 88
Net Interest Margin
3.71%
Rank 56 of 88
Efficiency Ratio
60.76%
Rank 42 of 88
Equity / Assets
12.09%
Rank 34 of 88
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 53% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.85% | 1.26% | 1.62% | Beats 41% | 52 / 88 | |
| Return on Equity | 9.44% | 7.40% | 11.89% | 14.66% | Beats 41% | 52 / 88 | |
| Net Interest Margin | 3.71% | 3.51% | 3.93% | 4.47% | Beats 36% | 56 / 88 | |
| Efficiency Ratio | 60.76% | 54.70% | 61.50% | 71.28% | Beats 53% | 42 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.77% | 0.30% | 0.82% | 2.25% | Beats 30% | 62 / 87 | |
| Net Charge-Offs / Loans | 0.56% | 0.00% | 0.03% | 0.20% | Beats 10% | 79 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 12.24% | 10.89% | 13.04% | 16.40% | Beats 41% | 52 / 88 | |
| Total Risk-Based Capital Ratio | 12.24% | 11.20% | 13.09% | 16.43% | Beats 41% | 52 / 88 | |
| Equity / Assets | 12.09% | 9.26% | 10.95% | 13.63% | Beats 61% | 34 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 89.86% | 60.39% | 72.27% | 84.01% | 87th pctl | 11 / 87 | |
| Loans / Assets | 76.13% | 52.51% | 63.37% | 71.46% | 88th pctl | 11 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |