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Acb Bank
Cherokee, OK · FDIC Certificate #4061 · Chartered 01/2
Total assets
$135.46M
Total deposits
$114.78M
Total equity
$16.37M
Net loans
$101.42M
Branches (offices)
3
Net income (YTD)
$984.00K
Rank: #3,421 of 4,213 U.S. banks by assets · #117 of 168 in Oklahoma. Assets changed -3.2% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.90% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 12.09% |
| Tier 1 leverage ratio | 12.24% |
| Uninsured deposits (share of deposits) | 24.2% |
| Noncurrent loans (share of loans) | 1.77% |
| Net charge-offs (share of loans) | 1.06% |
| Loans to deposits | 88.4% |
| Real estate loans (share of loans) | 61.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.94M | 61.1% | |
| Commercial & industrial | $7.63M | 7.5% | |
| Consumer / individual | $1.15M | 1.1% | |
| Construction & development | $172.00K | 0.2% | |
| Agricultural | $30.80M | 30.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.67M | $107.92M | $961.00K | $13.85M |
| Jun 2023 | $128.38M | $106.98M | $1.25M | $14.49M |
| Jun 2024 | $137.84M | $113.22M | $519.00K | $14.17M |
| Jun 2025 | $139.94M | $112.44M | $902.00K | $15.07M |
| Jun 2026 | $135.46M | $114.78M | $984.00K | $16.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $114.78M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.78M.
Similar-sized banks
The Litchfield National Bank ($135.66M) · Worthington Federal Savings Bank, FSB ($135.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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