Financial Highlights
ACBB's Consolidated Financial Highlights – September 30, 2025 (Unaudited).
| Assets | $955,406,000 |
| Net Income | $7,571,000 |
| Leverage Ratio | 14.63% |
| Tier 1 Risk-Based Ratio | 20.44% |
| Total Risk-Based Ratio | 21.78% |
| Loan Loss Reserve to NPL | 346.20% |
| Loan Loss Reserve to NPA | 346.20% |
| Loan Loss Reserve to Loans | 1.99% |
| NPA to Total Assets | 0.34% |
| Loans 30 Days Past Due | 0.00% |
| Assets | $955,406,000 |
| Net Income | $7,571,000 |
| Leverage Ratio | 14.63% |
| Tier 1 Risk-Based Ratio | 20.44% |
| Total Risk-Based Ratio | 21.78% |
| Loan Loss Reserve to NPL | 346.20% |
| Loan Loss Reserve to NPA | 346.20% |
| Loan Loss Reserve to Loans | 1.99% |
| NPA to Total Assets | 0.34% |
| Loans 30 Days Past Due | 0.00% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
|---|---|---|---|---|
| Tier 1 Leverage | 14.63% | 14.50% | 14.39% | 14.73% |
| Tier 1 Risk-Based Capital | 20.44% | 20.23% | 20.11% | 20.23% |
| Total Risk-Based Capital | 21.78% | 21.57% | 21.45% | 21.58% |
| NPAs to Total Assets | 0.34% | 0.34% | 0.34% | 0.90% |
| Loan Loss Reserve to Total Loans | 1.99% | 2.00% | 1.96% | 2.00% |
| Texas Ratio | 7.58% | 7.95% | 6.89% | 5.65% |
| Return on Average Assets | 1.03% | 0.94% | 1.00% | 0.73% |
| Return on Average Equity | 7.16% | 6.58% | 6.99% | 5.23% |
Ratio Trend Lines
9/30/2025
14.63%
6/30/2025
14.50%
3/31/2025
14.39%
12/31/2024
14.73%
Ratio Trend Lines
9/30/2025
20.44%
6/30/2025
20.23%
3/31/2025
20.11%
12/31/2024
20.23%
Ratio Trend Lines
9/30/2025
21.78%
6/30/2025
21.57%
3/31/2025
21.45%
12/31/2024
21.58%
Ratio Trend Lines
9/30/2025
0.34%
6/30/2025
0.34%
3/31/2025
0.34%
12/31/2024
0.90%
Ratio Trend Lines
9/30/2025
1.99%
6/30/2025
2.00%
3/31/2025
1.96%
12/31/2024
2.00%
Ratio Trend Lines
9/30/2025
7.58%
6/30/2025
7.95%
3/31/2025
6.89%
12/31/2024
5.65%
Ratio Trend Lines
9/30/2025
1.03%
6/30/2025
0.94%
3/31/2025
1.00%
12/31/2024
0.73%
Ratio Trend Lines
9/30/2025
7.16%
6/30/2025
6.58%
3/31/2025
6.99%
12/31/2024
5.23%
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.
