BlastPoint's Banking Scorecard
ACB Bank
Cherokee, OK
3 branches across OK
ACB Bank shows strong momentum with 4 strengths and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24.8% in tier
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 9.31% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.8M
+7.3% YoY
+0.6% QoQ
|
-$242.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.4% in tier |
| Total Loans ? |
$103.1M
+3.7% YoY
-2.6% QoQ
|
-$152.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$114.6M
+2.3% YoY
+0.3% QoQ
|
-$213.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
1.85%
+51.7% YoY
+15.8% QoQ
|
+0.58% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.25%
+8.1% YoY
-6.8% QoQ
|
+0.32% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
55.98%
-14.7% YoY
-10.7% QoQ
|
-9.31% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.14%
-96.1% YoY
-34.9% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
89.93%
+1.3% YoY
-2.8% QoQ
|
+13.30% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
+6.7% YoY
-5.5% QoQ
|
-3.64% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.10%
-96.2% YoY
-36.9% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.41%
+6.9% YoY
+2.9% QoQ
|
-3.42% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.07%
-31.0% YoY
-79.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.