Financial Highlights

ACBB's Consolidated Financial Highlights – December 31, 2025 (Unaudited).

Additional Information for Correspondent Guidance

Ratio Trend Lines12/31/20259/30/20256/30/20253/31/2025
Tier 1 Leverage14.53%14.63%14.50%14.39%
Tier 1 Risk-Based Capital20.67%20.44%20.23%20.11%
Total Risk-Based Capital22.00%21.78%21.57%21.45%
NPAs to Total Assets0.35%0.34%0.34%0.34%
Loan Loss Reserve to Total Loans2.03%1.99%2.00%1.96%
Texas Ratio7.44%7.58%7.95%6.89%
Return on Average Assets0.98%1.03%0.94%1.00%
Return on Average Equity6.79%7.16%6.58%6.99%

Ratio Trend Lines

12/31/2025
14.53%

9/30/2025
14.63%

6/30/2025
14.50%

3/31/2025
14.39%

Ratio Trend Lines

12/31/2025
20.67%

9/30/2025
20.44%

6/30/2025
20.23%

3/31/2025
20.11%

Ratio Trend Lines

12/31/2025
22.00%

9/30/2025
21.78%

6/30/2025
21.57%

3/31/2025
21.45%

Ratio Trend Lines

12/31/2025
0.35%

9/30/2025
0.34%

6/30/2025
0.34%

3/31/2025
0.34%

Ratio Trend Lines

12/31/2025
2.03%

9/30/2025
1.99%

6/30/2025
2.00%

3/31/2025
1.96%

Ratio Trend Lines

12/31/2025
7.44%

9/30/2025
7.58%

6/30/2025
7.95%

3/31/2025
6.89%

Ratio Trend Lines

12/31/2025
0.98%

9/30/2025
1.03%

6/30/2025
0.94%

3/31/2025
1.00%

Ratio Trend Lines

12/31/2025
6.79%

9/30/2025
7.16%

6/30/2025
6.58%

3/31/2025
6.99%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of September 2024 is 74/A.

Note: Per Regulation F, a bank is considered adequately capitalized if:

  • Its leverage ratio is 4% or greater,
  • Its Tier 1 Risk-Based Capital Ratio is 4% or greater; and
  • Its Total Risk-Based Capital Ratio is 8% or greater.

Financial Reports


View the ACBB 2024 Annual Report here.
View the 2024 ACBI Annual Financial Statements here.