Financial Highlights
ACBB's Consolidated Financial Highlights – December 31, 2024 (Unaudited).
| Assets | $896,422,000 |
| Net Income | $6,846,000 |
| Leverage Ratio | 14.73% |
| Tier 1 Risk-Based Ratio | 20.23% |
| Total Risk-Based Ratio | 21.58% |
| Loan Loss Reserve to NPL | 136.33% |
| Loan Loss Reserve to NPA | 136.33% |
| Loan Loss Reserve to Loans | 2.00% |
| NPA to Total Assets | 0.90% |
| Loans 30 Days Past Due | 0.00% |
| Assets | $896,422,000 |
| Net Income | $6,846,000 |
| Leverage Ratio | 14.73% |
| Tier 1 Risk-Based Ratio | 20.23% |
| Total Risk-Based Ratio | 21.58% |
| Loan Loss Reserve to NPL | 136.33% |
| Loan Loss Reserve to NPA | 136.33% |
| Loan Loss Reserve to Loans | 2.00% |
| NPA to Total Assets | 0.90% |
| Loans 30 Days Past Due | 0.00% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 12/31/2024 | 9/30/2024 | 06/30/2024 | 03/31/2024 |
|---|---|---|---|---|
| Tier 1 Leverage | 14.73% | 14.06% | 14.59% | 15.16% |
| Tier 1 Risk-Based Capital | 20.23% | 20.49% | 20.42% | 20.79% |
| Total Risk-Based Capital | 21.58% | 21.83% | 21.76% | 22.13% |
| NPAs to Total Assets | 0.90% | 0.13 | 0.00% | 0.00% |
| Loan Loss Reserve to Total Loans | 2.00% | 1.84% | 1.74% | 1.85% |
| Texas Ratio | 5.65% | 0.84% | 0.02% | 0.02% |
| Return on Average Assets | 0.73% | 0.75% | 0.88% | 0.85% |
| Return on Average Equity | 5.23% | 5.43% | 6.25% | 5.91% |
Ratio Trend Lines
12/31/2024
14.73%
9/30/2024
14.06%
06/30/2024
14.59%
03/31/2024
15.16%
Ratio Trend Lines
12/31/2024
20.23%
9/30/2024
20.49%
06/30/2024
20.42%
03/31/2024
20.79%
Ratio Trend Lines
12/31/2024
21.58%
9/30/2024
21.83%
06/30/2024
21.76%
03/31/2024
22.13%
Ratio Trend Lines
12/31/2024
0.90%
9/30/2024
0.13
06/30/2024
0.00%
03/31/2024
0.00%
Ratio Trend Lines
12/31/2024
2.00%
9/30/2024
1.84%
06/30/2024
1.74%
03/31/2024
1.85%
Ratio Trend Lines
12/31/2024
5.65%
9/30/2024
0.84%
06/30/2024
0.02%
03/31/2024
0.02%
Ratio Trend Lines
12/31/2024
0.73%
9/30/2024
0.75%
06/30/2024
0.88%
03/31/2024
0.85%
Ratio Trend Lines
12/31/2024
5.23%
9/30/2024
5.43%
06/30/2024
6.25%
03/31/2024
5.91%
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 2023 Annual Report here.
View the 2023 ACBI Annual Financial Statements here.
