ACB Bank is a state-chartered bank headquartered in Cherokee, Oklahoma, in business for about 118 years. At the end of Q2 2026 it reported $135.5M in total assets and $114.8M in deposits, with 3 offices.
ACB Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 114th. Problem-loan coverage contributes the most (80/100, 10.1%); loan quality contributes the least (41/100, 1.77%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (51 → 64), mostly because the loan quality component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 43 |
| Q1 2025 | 48 |
| Q2 2025 | 51 |
| Q3 2025 | 62 |
| Q4 2025 | 80 |
| Q1 2026 | 84 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.60% |
| Q3 2024 | 11.46% |
| Q4 2024 | 11.35% |
| Q1 2025 | 11.62% |
| Q2 2025 | 12.20% |
| Q3 2025 | 12.01% |
| Q4 2025 | 12.07% |
| Q1 2026 | 12.41% |
| Q2 2026 | 12.24% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.95% |
| Q3 2024 | 2.86% |
| Q4 2024 | 3.55% |
| Q1 2025 | 3.48% |
| Q2 2025 | 3.37% |
| Q3 2025 | 2.19% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.14% |
| Q2 2026 | 1.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.69% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.85% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $135.5M | 12.24% | 1.77% | 1.40% | 88.4% |
| Q1 2026 | 84 | $143.8M | 12.41% | 0.14% | 1.85% | 89.9% |
| Q4 2025 | 80 | $143.0M | 12.07% | 0.21% | 1.60% | 92.6% |
| Q3 2025 | 62 | $142.6M | 12.01% | 2.19% | 1.68% | 90.1% |
| Q2 2025 | 51 | $139.9M | 12.20% | 3.37% | 1.32% | 90.6% |
| Q1 2025 | 48 | $134.0M | 11.62% | 3.48% | 1.22% | 88.8% |
| Q4 2024 | 43 | $137.6M | 11.35% | 3.55% | 0.69% | 88.6% |
| Q3 2024 | 47 | $135.3M | 11.46% | 2.86% | 0.80% | 92.2% |
| Q2 2024 | 46 | $137.8M | 11.60% | 2.95% | 0.76% | 89.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Bank of OkarcheBank Okarche, OK | 89 out of 100, Very strong | $137.5M | 16.1% | 1.04% | vs |
| Security First National Bank of HugoBank Hugo, OK | 48 out of 100, Below average | $137.7M | 10.4% | 4.15% | vs |
| First State BankBank Anadarko, OK | 74 out of 100, Strong | $139.6M | 11.2% | 0.34% | vs |
| The Farmers BankBank Carnegie, OK | 69 out of 100, Moderate | $139.6M | 11.6% | 0.32% | vs |
| SSB BankBank Spiro, OK | 80 out of 100, Strong | $129.9M | 17.0% | 0.09% | vs |
| SNB Bank, National AssociationBank Shattuck, OK | 36 out of 100, Low | $129.4M | 11.8% | 6.18% | vs |
Deposit insurance
Is my money safe at ACB Bank?
Yes. ACB Bank is an FDIC-insured institution (FDIC certificate #4061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.2% of deposits ($27.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
ACB Bank lists 3 offices in 3 cities. Most locations:
- Cherokee, OK (1)
- Garber, OK (1)
- Waukomis, OK (1)
Identity & history
Profile
- Legal name
- ACB Bank
- Former names
- The Alfalfa County National Bank of Cherokee; Alfalfa County Bank; Acb
- Type
- State-chartered bank
- FDIC certificate #
- 4061
- RSSD ID
- 266253
- Primary regulator
- FDIC
- Holding company
- Alfalfa County Bancshares Inc
- Established
- January 29, 1908
- Headquarters
- 323 S Grand Ave, Cherokee, OK 73728
- Website
- www.acbbank.net
- Employees
- 22
Quick answers
ACB Bank: common questions
Is ACB Bank FDIC insured?
Yes. ACB Bank is an FDIC-insured institution (FDIC certificate #4061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is ACB Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has ACB Bank ever failed?
There is no failure record for FDIC certificate #4061 in the FDIC failed bank list.
How many branches does ACB Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cherokee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| The Hopeton State BankBank Hopeton, OK | 66 out of 100, Moderate | $30.8M | 11.3% | 0.00% | vs |
| Dream First Bank, National AssociationBank Syracuse, KS | 55 out of 100, Moderate | $963.7M | 9.7% | 1.86% | vs |