Side-by-side · Q2 2026 data
ACB Bank vs Dream First Bank, National Association
Metric by metric
| Measure | ACB Bank | Dream First Bank, National Association |
|---|---|---|
| TellerScore | 64 (stronger) | 55 |
| Capital cushion | 72 (stronger) | 47 |
| Loan quality | 41 (stronger) | 38 |
| Earnings | 76 (stronger) | 63 |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 80 (stronger) | 73 |
| Peer percentile | 26th | 11th |
| Total assets | $135.5M | $963.7M |
| Deposits / shares | $114.8M | $850.4M |
| Capital ratio | 12.24% (stronger) | 9.69% |
| Problem loans | 1.77% (stronger) | 1.86% |
| Net charge-offs | 1.06% | 0.13% (stronger) |
| Return on assets | 1.40% (stronger) | 1.07% |
| Loans ÷ deposits | 88.4% | 76.9% (stronger) |
| Uninsured deposits | 24.2% | 18.7% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
ACB Bank has the higher TellerScore (64 vs 55). On the 7 directional measures above (where higher or lower is clearly better), ACB Bank leads on 4 and Dream First Bank, National Association on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cherokee, OK