BlastPoint's Banking Scorecard
ACB Bank
Cherokee, OK
3 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +2.1% year over year ($114.8M on the books).
- Delinquency rate 1.80%.
- Return on assets 1.40%.
- Efficiency ratio 60.76% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
ACB Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 3.72% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.5M
-3.2% YoY
-5.8% QoQ
|
-$251.1M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.7% in tier |
| Total Loans ? |
$101.4M
-0.5% YoY
-1.6% QoQ
|
-$156.9M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$114.8M
+2.1% YoY
+0.1% QoQ
|
-$212.0M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.2% in tier |
| Return on Assets ? |
1.40%
+6.3% YoY
-24.4% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.07%
+1.5% YoY
-4.2% QoQ
|
+0.08% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
60.76%
-3.4% YoY
+8.5% QoQ
|
-3.72% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.80%
-47.7% YoY
|
+0.88% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.6% in tier |
| Loan-to-Deposit Ratio ? |
88.37%
-2.5% YoY
-1.7% QoQ
|
+10.41% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
19.34%
+11.1% YoY
+5.3% QoQ
|
-2.69% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.35%
-46.2% YoY
|
+0.68% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.2% in tier |
| Tier 1 Capital Ratio ? |
12.24%
+0.3% YoY
-1.4% QoQ
|
-3.66% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.14%
-23.8% YoY
+103.5% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.3%
+1.9pp YoY +1.0pp QoQ |
-2.8pp | 22.1% | 23.9% | 22.2% | 42% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
-0.2pp YoY -0.6pp QoQ |
-4.0pp | 11.6% | 15.7% | 12.5% | 36% |
| CRE | n/a | n/a | 39.5% | 42.0% | 41.4% | n/a |
| 1-4 Family |
19.1%
+1.2pp YoY +0.9pp QoQ |
-13.5pp | 32.6% | 24.0% | 31.3% | 28% |
| Consumer |
1.1%
-0.1pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 5.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
12.2%
0.0pp YoY -0.2pp QoQ |
+0.1pp | 12.2% | 11.7% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY 0 QoQ |
-37 | 58 | 150 | 482 | 14% |
| Assets per Employee ($) |
$6.2M
-3.2% YoY -5.8% QoQ |
-$1.4M | $7.5M | $6.5M | $8.8M | 36% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.8%
-1.6pp YoY +1.7pp QoQ |
+0.9pp | 0.9% | 1.5% | 1.0% | 85% |
| Allowance Coverage |
0.94x
+48.4% YoY -92.5% QoQ |
-23.22x | 24.15x | 61.99x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
1.1%
+1.0pp YoY -0.2pp QoQ |
+0.9pp | 0.1% | 0.2% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
-0.4pp YoY -4.0pp QoQ |
-0.3pp | 12.2% | 11.9% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$984,000
+9.1% YoY — QoQ |
-$1.6M | $2.6M | $8.7M | $40.4M | 26% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.