# ACB BANK
CHEROKEE, OK · FDIC certificate 4061 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $135.5M | |
| Deposits | $114.8M | |
| Loans and leases | $103.1M | |
| Total equity | $16.4M | |
| Loans / deposits | 88.37% (p77 of band) | 73.59% |
| Liquid assets / assets | 18.23% (p18 of band) | |
| Uninsured deposits / deposits | 24.23% (p66 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.68% (p63 of band) | |
| FHLB advances / assets | 2.68% | |
| Tier 1 leverage | 12.24% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -6.50% (p51 of band) | -6.57% |
| AOCI / equity | -0.56% (p42 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 4.07% (p58 of band) | 3.93% |
| Efficiency ratio | 60.76% (p37 of band) | |
| Noncurrent loans | 1.77% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.79% (p99 of band) | |
| Reserve coverage of noncurrent | 93.54% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 1.05% (p20 of band) | |
| Auto loans | $294,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-09 | 3 | reserve under noncurrent | capital falling |
| 2015-12 | 2 | uninsured deposits leaving | loans exceed deposits, reserve under noncurrent |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 1 | charge-offs p90 | wholesale funding >15%, loans exceed deposits |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 3 |  | wholesale funding >15% |
| 2018-09 | 4 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2018-12 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2019-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | uninsured deposits leaving |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 5 | deposits shrinking |  |
| 2020-12 | 4 |  | uninsured deposits leaving |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | assets shrinking |  |
| 2021-09 | 3 |  | deposits shrinking, assets shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | reserve under noncurrent |
| 2022-12 | 1 |  | noncurrent p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 4 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2023-12 | 3 |  | reserve under noncurrent |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 2 |  | charge-offs p90, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-06 [Rusty Atkinson Obituary May 6, 2026 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMia0FVX3lxTE9FeWNKbmEzX0V6ZWYzZlBoRFh1TFRkU3VSZTk0cWJ0bmdoRTlzMWtpdTd4bFByOGNScjhQNjdQNzBRc3hfT0RQVW44TlByWkJLZUpoR1pWelcySHRtN3JTOWdtd2ZvVW5jd2lJ?oc=5) · Lanman Funeral Home, Inc
- 2024-02-20 [Tommy Joe Sanborn Obituary Feb 20, 2024 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMiakFVX3lxTE5TWmFTZGd2djJuTnhVYmQyaUNqV3g2T1NWQjBvVk9GRDFOU1NMcXk2OG1DNkJDZDFfZFNkU0lWOGJld3pMTVhIVGhRcDBoQUFhWWM2cHZDeGdfQ3liZlNaUkVXbXNJYUdRQVE?oc=5) · Lanman Funeral Home, Inc
- 2024-02-24 [Chisholm Trail Meats: Newly open processing facility on track - Enidnews.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxObVpiU0pHUVdFOFFyLWxXbjNtT0hING1NcVc1Y0s1UUxCWFMtM3h5UGUwYWtEMDQ3V2YxUkJhWGhsMzlCTTJUc0JTZzBsY3lTU2RZV3V3Q1AtVERGV1BxdjI2Qm10TnUyU2xIbzF0MnVaRHNqQmwydExMNkZzajdoUTlKYWY5a3otNTYzdmhNSFR1RGNZSXpsVDYyVVZzWU5sXzRsV1VmY1BZUG5IaGpacmRJR1VKbFk2aFpqbmZjcWZMTWM1aXh1aUQ1Qk55MF9WWGVSTzItOGd2aFB6V1FPLVdfaw?oc=5) · Enidnews.com
- 2014-06-23 [James Simpson Obituary Jun 23, 2014 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMiakFVX3lxTE5pQm5kUG9qbTJuU2xfSFZ2ai0wbUZ0QmFIQ2stSURuZWVEdDZBYjdUWTZ1Z1NMV3E4QW1zV3F0Ml9fbWxwM09pSTlzdUZKQ0dVWGFTZm43VVNGS01nREY0TlIwNW1nRWdMNHc?oc=5) · Lanman Funeral Home, Inc
- 2011-02-18 [Okocha, Siasia, Others In Tears! Tears!! Tears!!! As Uche Okafor Goes Home - Modern Ghana](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNmV3MlZyc2M0c2NxSkhvQW5xYXNHVFlhVmEwaDN6WmdHb04teHVKLVRVNTdwZWktb3BpNGVsOWRTUmRuSEluUFpLcXBaTl9aVjkxbDliczBza0xROVg3ei1BWHc5bkZTMnJ0UThmRlNTN3pmTnMxM3RNZEZQM0ZfaFlDOU45akh6aVVhU1BibTh6WHh3U1BPSlNVRFJsYU04WTBR0gGiAUFVX3lxTE15d3FfSF9Kd3RQSmFPV2luMkhHZXJMQ2pOdUJpRGo2RnFPa0cyYjJYY2xuN2FFY1ZSdzdyMk96amthaWI5MjRTQ3BueUFKRk5oSkN1U2xTdEFTaFBsY0ZEZXg5ZUp1eW9ldnpWX1AzX0xGS0FkLTV6U2FvczhjTEVBMlRsd240a2JRdjIyN0w5aEhPWlBWWlJBZ25EUTlNblhOZw?oc=5) · Modern Ghana
- 2023-09-28 [Chase Robert Puffinbarger Obituary Sep 28, 2023 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMicEFVX3lxTE5XdWZPLUpyX0Y3bFQydkJxY2xlTjI1Q19NcFZKM25ESDRISzVRblBTeUh5Z3ZPZVFPTzlldEFPMkpEY2dwdWR4QWx3ZzdvVS1OQnFPc2xkWGZJaFFYbE5lVDVtWHlnSlVIbGNwVWFJZ18?oc=5) · Lanman Funeral Home, Inc

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4061 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "4061", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide