Financial Highlights

ACBB's Consolidated Financial Highlights – September 30, 2025 (Unaudited).

Additional Information for Correspondent Guidance

Ratio Trend Lines9/30/20256/30/20253/31/202512/31/2024
Tier 1 Leverage14.63%14.50%14.39%14.73%
Tier 1 Risk-Based Capital20.44%20.23%20.11%20.23%
Total Risk-Based Capital21.78%21.57%21.45%21.58%
NPAs to Total Assets0.34%0.34%0.34%0.90%
Loan Loss Reserve to Total Loans1.99%2.00%1.96%2.00%
Texas Ratio7.58%7.95%6.89%5.65%
Return on Average Assets1.03%0.94%1.00%0.73%
Return on Average Equity7.16%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.