Financial Highlights
ACBB's Consolidated Financial Highlights – December 31, 2025 (Unaudited).
| Assets | $939,475,000 |
| Net Income | $9,709,000 |
| Leverage Ratio | 14.53% |
| Tier 1 Risk-Based Ratio | 20.67% |
| Total Risk-Based Ratio | 22.00% |
| Loan Loss Reserve to NPL | 350.05% |
| Loan Loss Reserve to NPA | 350.05% |
| Loan Loss Reserve to Loans | 2.03% |
| NPA to Total Assets | 0.35% |
| Loans 30 Days Past Due | 0.00% |
| Assets | $939,475,000 |
| Net Income | $9,709,000 |
| Leverage Ratio | 14.53% |
| Tier 1 Risk-Based Ratio | 20.67% |
| Total Risk-Based Ratio | 22.00% |
| Loan Loss Reserve to NPL | 350.05% |
| Loan Loss Reserve to NPA | 350.05% |
| Loan Loss Reserve to Loans | 2.03% |
| NPA to Total Assets | 0.35% |
| Loans 30 Days Past Due | 0.00% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 |
|---|---|---|---|---|
| Tier 1 Leverage | 14.53% | 14.63% | 14.50% | 14.39% |
| Tier 1 Risk-Based Capital | 20.67% | 20.44% | 20.23% | 20.11% |
| Total Risk-Based Capital | 22.00% | 21.78% | 21.57% | 21.45% |
| NPAs to Total Assets | 0.35% | 0.34% | 0.34% | 0.34% |
| Loan Loss Reserve to Total Loans | 2.03% | 1.99% | 2.00% | 1.96% |
| Texas Ratio | 7.44% | 7.58% | 7.95% | 6.89% |
| Return on Average Assets | 0.98% | 1.03% | 0.94% | 1.00% |
| Return on Average Equity | 6.79% | 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.
