ACB Bank: how it compares with its peers
Against 56 OK banks with half to twice its assets, ACB Bank's strongest measure in Q2 2026 is assets per employee ($6.2M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (4.07% vs. 4.38%).
| Measure | ACB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.47% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 4.38% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.76% | 59.64% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.0M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.37% | 73.10% | Context |
What it means for lending operations
Its efficiency ratio of 60.76% is above the 59.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First Bank of Okarche Okarche, OK · $137M
- Security First National Bank of Hugo Hugo, OK · $138M
- First State Bank Anadarko, OK · $140M
- The Farmers Bank Carnegie, OK · $140M
- SSB Bank Spiro, OK · $130M
- SNB Bank, National Association Shattuck, OK · $129M
Questions about ACB Bank
How big is ACB Bank?
ACB Bank, established in 1908, is headquartered in Cherokee, OK. It reported $135M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is ACB Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.47% median for 56 OK banks with half to twice its assets, ahead of 45% of them.
What is ACB Bank's efficiency ratio?
60.76% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 59.64%, and lower is better.
Is ACB Bank growing its loans?
Net loans shrank 0.5% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.