ACB Bank
Cherokee, OK
IDRSSD: 266253
Total Assets
$142.56M
Latest filing
Total Deposits
$114.08M
Latest filing
Net Interest Margin
5.06%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The First Bank of Okarche
Okarche, Oklahoma
→
Assets: $139.33MΔ -0.4%
Security First National Bank of Hugo
Hugo, Oklahoma
→
Assets: $136.75MΔ -2.3%
SNB Bank, National Association
Shattuck, Oklahoma
→
Assets: $144.17MΔ +3.0%
First State Bank
Anadarko, Oklahoma
→
Assets: $131.14MΔ -6.3%
COREBANK
Waynoka, Oklahoma
→
Assets: $129.34MΔ -7.6%
Security Bank and Trust Company
Miami, Oklahoma
→
Assets: $151.02MΔ +7.9%
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 | 22 |
| 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 | 11/14/2025 |
| CERT | 4061 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.56M |
| Total Deposits | $114.08M |
| Total Liabilities | $126.40M |
| Total Equity Capital | $16.16M |
| Net Income | $846.00k |
| Net Loans and Leases | $102.75M |
| Assets Per Employee ($Millions) | $6.2M |
| Bank Premises and Fixed Assets | $1.10M |
| Cash and Balances due from Depository Institutions | $2.28M |
| Deposits Held in Domestic Offices | $114.08M |
Key Performance Ratios
| Return on Assets (ROA) | 2.4% |
| Return on Equity (ROE) | 21.67% |
| Net Interest Margin | 5.06% |
| Efficiency Ratio | 52.17% |
| 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 | 11.336% |
| Earning Assets to total Assets | 92.26% |
Income and Expense
| Total Interest Income | $2.47M |
| Total Noninterest Income | $131.00k |
| Total Interest Expense | $829.00k |
| Total Noninterest Expense | $925.00k |
| Net Interest Income | $1.64M |
| Pre-tax Net Operating Income | $848.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.66M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.81M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $661.00k |
| Total Liabilities and Capital | $142.56M |
Securities
| Securities | $17.80M |
| Available-for-sale debt securities | $17.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$142.56M as of the latest filing.
How much are ACB Bank's total deposits?
$114.08M in total deposits.
Where is ACB Bank located?
Cherokee, OK.
What is the Net Interest Margin?
5.06%.
How many domestic offices does it operate?
3.
When was it established?
01/29/1908.
What is the Return on Assets (ROA)?
2.4%.
How much are total loans and leases?
$102.75M (latest filing).
What is the total interest income (latest filing)?
$2.47M.