Financial Highlights
ACBB's Consolidated Financial Highlights – March 31, 2026 (Unaudited).
| Assets | $923,153,000 |
| Net Income | $3,855,000 |
| Leverage Ratio | 15.60% |
| Tier 1 Risk-Based Ratio | 20.42% |
| Total Risk-Based Ratio | 21.75% |
| Loan Loss Reserve to NPL | 303.31% |
| Loan Loss Reserve to NPA | 303.31% |
| Loan Loss Reserve to Loans | 1.64% |
| NPA to Total Assets | 0.34% |
| Loans 30 Days Past Due | 0.00% |
| Assets | $923,153,000 |
| Net Income | $3,855,000 |
| Leverage Ratio | 15.60% |
| Tier 1 Risk-Based Ratio | 20.42% |
| Total Risk-Based Ratio | 21.75% |
| Loan Loss Reserve to NPL | 303.31% |
| Loan Loss Reserve to NPA | 303.31% |
| Loan Loss Reserve to Loans | 1.64% |
| NPA to Total Assets | 0.34% |
| Loans 30 Days Past Due | 0.00% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 03/31/2026 | 12/31/2025 | 9/30/2025 | 6/30/2025 |
|---|---|---|---|---|
| Tier 1 Leverage | 15.60% | 14.49% | 14.63% | 14.50% |
| Tier 1 Risk-Based Capital | 20.42% | 20.60% | 20.44% | 20.23% |
| Total Risk-Based Capital | 21.75% | 21.94% | 21.78% | 21.57% |
| NPAs to Total Assets | 0.34% | 0.35% | 0.34% | 0.34% |
| Loan Loss Reserve to Total Loans | 1.64% | 2.03% | 1.99% | 2.00% |
| Texas Ratio | 6.53% | 7.46% | 7.58% | 7.95% |
| Return on Average Assets | 1.61% | 0.94% | 1.03% | 0.94% |
| Return on Average Equity | 10.50% | 6.50% | 7.16% | 6.58% |
Ratio Trend Lines
03/31/2026
15.60%
12/31/2025
14.49%
9/30/2025
14.63%
6/30/2025
14.50%
Ratio Trend Lines
03/31/2026
20.42%
12/31/2025
20.60%
9/30/2025
20.44%
6/30/2025
20.23%
Ratio Trend Lines
03/31/2026
21.75%
12/31/2025
21.94%
9/30/2025
21.78%
6/30/2025
21.57%
Ratio Trend Lines
03/31/2026
0.34%
12/31/2025
0.35%
9/30/2025
0.34%
6/30/2025
0.34%
Ratio Trend Lines
03/31/2026
1.64%
12/31/2025
2.03%
9/30/2025
1.99%
6/30/2025
2.00%
Ratio Trend Lines
03/31/2026
6.53%
12/31/2025
7.46%
9/30/2025
7.58%
6/30/2025
7.95%
Ratio Trend Lines
03/31/2026
1.61%
12/31/2025
0.94%
9/30/2025
1.03%
6/30/2025
0.94%
Ratio Trend Lines
03/31/2026
10.50%
12/31/2025
6.50%
9/30/2025
7.16%
6/30/2025
6.58%
Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of December 2025 is 67/B+.
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 2025 ACBB Annual Report here.
View the 2025 ACBI Annual Financial Statements here.
