ACB Bank

ACB Bank is headquartered in Cherokee and is the 162^nd largest bank in the state of Oklahoma. It is also the 5,814^st largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 18 employees at 3 locations. ACB Bank has a 3-star health rating.

ACB Bank Routing Number: 103102368

Data for Q4 2011

Institution Statistics ACB Bank FDIC Certificate # 4061 BankRate Report View Year Established 1908 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $68.96 million Loans $43.19 million Deposits $55.40 million Equity Capital $6.23 million Loan Loss Allowance $999,000 Unbacked Noncurrent Loans $662,000 Real Estate Owned $761,000 Historic Data - December 2010 Assets $68.37 million Equity Capital $4.70 million Loan Loss Allowance $796,000 Unbacked Noncurrent Loans $188,000 Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 1.32% Return on Equity 16.01% Interest Income $3.44 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 ACB Bank had $1.42 million in non-current loans and owned real-estate with $7.23 million in equity and loan loss allowances on hand to cover it. This gives ACB Bank a Texas Ratio of 19.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ACB Bank decreased significantly from (infinite) as of December 31, 2010 to 19.69% as of December 31, 2011, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for ACB Bank has improved significantly in recent periods. Deposit Growth In the past year, ACB Bank has decreased its total deposits by -$3.21 million, resulting in -5.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ACB Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ACB Bank has $68.96 million in assets with $7.23 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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