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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cherokee, OK · FDIC certificate #4061
ACB BANK is an FDIC-insured institution based in Cherokee, OK (FDIC certificate #4061). In its Q3 2026 Call Report it reported total assets of $134M, total deposits of $114M and net loans of $103M. Its primary federal regulator is FDIC.
Plain-language readout
ACB BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $144M in Q1 2026 and were lowest at $134M in Q3 2026.
Total deposits were highest at $115M in Q2 2026 and lowest at $114M in Q3 2026.
Over the whole period total assets fell 7.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $134M | $114M | $103M | 0.93% | 8.00% | 3.84% |
| Q2 2026 | $135M | $115M | $101M | 1.40% | 11.90% | 4.07% |
| Q1 2026 | $144M | $115M | $103M | 1.85% | 15.95% | 4.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.7M | $2.2M | +$536K | +24.3% |
| Federal funds sold | $2.4M | $8.8M | -$6.4M | -72.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.6M | $20.4M | -$846K | -4.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $101.4M | $103.1M | -$1.7M | -1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.0M | $1.0M | -$30K | -2.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.3M | $8.2M | +$112K | +1.4% |
| Total assets | $135.5M | $143.8M | -$8.3M | -5.8% |
| Liabilities | ||||
| Total deposits | $114.8M | $114.6M | +$166K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.6M | $11.6M | -$8.0M | -68.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $677K | $623K | +$54K | +8.7% |
| Total liabilities | $119.1M | $126.9M | -$7.8M | -6.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $5.4M | $5.4M | $0K | 0.0% |
| Retained earnings | $11.7M | $12.2M | -$441K | -3.6% |
| Accumulated other comprehensive income | -$1.1M | -$966K | -$96K | -9.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.4M | $16.9M | -$537K | -3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.8M | $144K | +$1.7M | +1169.4% |
| Adjusted nonperforming assets | $1.8M | $144K | +$1.7M | +1169.4% |
| Tangible equity plus allowance | $18.1M | $18.7M | -$625K | -3.3% |
| Texas ratio (gross) | 10.11% | 0.77% | +9.34 pts | See points |
| Texas ratio (adjusted) | 10.11% | 0.77% | +9.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.20% | 5.74% | +9.46 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.24% | 12.41% | -0.17 pts | See points |
| Construction and land loans to total capital | 0.90% | 3.63% | -2.73 pts | See points |
| Commercial real estate to total capital | 107.92% | 104.54% | +3.38 pts | See points |
| Dividend payout, year to date | 88.62% | 16.74% | +71.88 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.10% | -5.40% | -0.70 pts | See points |
| Liquidity | ||||
| Core deposits | $97.3M | $97.8M | -$443K | -0.5% |
| Non-core funding | $21.1M | $28.5M | -$7.4M | -25.9% |
| Loans to core deposits | 105.99% | 107.29% | -1.30 pts | See points |
| Loans to deposits | 89.86% | 91.50% | -1.65 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 30.93% | 65.48% | -34.56 pts | See points |
| Loans pledged, share of loans | 47.02% | 46.21% | +0.81 pts | See points |
| Volatile liabilities | $30.1M | $37.8M | -$7.6M | -20.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $663K | +$446K | +67.3% |
| Earnings before provision, single quarter | $446K | $663K | -$217K | -32.7% |
| Provision for credit losses, year to date | $125K | $0K | +$125K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.61% | 7.17% | -0.56 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.52% | 6.02% | -0.50 pts | See points |
| Cost of interest-bearing transaction accounts | 1.21% | 1.25% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.51% | 1.46% | +0.05 pts | See points |
| Cost of time deposits | 4.38% | 3.78% | +0.60 pts | See points |
| Total interest expense to average assets | 2.06% | 2.11% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $134M | $114M | $103M | 0.93% | 8.00% | 3.84% |
| 2026-06-30 | $135M | $115M | $101M | 1.40% | 11.90% | 4.07% |
| 2026-03-31 | $144M | $115M | $103M | 1.85% | 15.95% | 4.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $112.4M | 0.08% | 134 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.