ACB Bank
Cherokee, OK
IDRSSD: 266253
Total Assets
$142.95M
Latest filing
Total Deposits
$114.28M
Latest filing
Net Interest Margin
5.09%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
ACB Bank
323 S Grand Ave
Cherokee, OK 73728
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/29/1908FDIC Certificate 2636
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| ACB Bank (Main) | 323 S Grand Ave | Cherokee, OK |
| GARBER BRANCH | 323 Main St | Garber, OK |
| WAUKOMIS BRANCH | 100 N Main Street | Waukomis, OK |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/29/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73728 |
| State and County Number | 40003 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.acbbank.net |
| Data Updated | 01/30/2026 |
| CERT | 4061 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.95M |
| Total Deposits | $114.28M |
| Total Liabilities | $126.60M |
| Total Equity Capital | $16.35M |
| Net Income | $478.00k |
| Net Loans and Leases | $105.72M |
| Assets Per Employee ($Millions) | $6.22M |
| Bank Premises and Fixed Assets | $1.06M |
| Cash and Balances due from Depository Institutions | $1.33M |
| Deposits Held in Domestic Offices | $114.28M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 11.76% |
| Net Interest Margin | 5.09% |
| Efficiency Ratio | 72.9% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.438% |
| Earning Assets to total Assets | 92.85% |
Income and Expense
| Total Interest Income | $2.49M |
| Total Noninterest Income | $83.00k |
| Total Interest Expense | $806.00k |
| Total Noninterest Expense | $1.29M |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $478.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.64M |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.85M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $680.00k |
| Total Liabilities and Capital | $142.95M |
Securities
| Securities | $19.06M |
| Available-for-sale debt securities | $19.06M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of ACB Bank?
$142.95M as of the latest filing.
How much are ACB Bank's total deposits?
$114.28M in total deposits.
Where is ACB Bank located?
Cherokee, OK.
What is the Net Interest Margin?
5.09%.
How many domestic offices does it operate?
3.
When was it established?
01/29/1908.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$105.72M (latest filing).
What is the total interest income (latest filing)?
$2.49M.