Financial Highlights
ACBB's Consolidated Financial Highlights – June 30, 2026 (Unaudited).
| Assets | $924,042,000 |
| Net Income | $6,169,000 |
| Leverage Ratio | 15.76% |
| Tier 1 Risk-Based Ratio | 20.38% |
| Total Risk-Based Ratio | 21.71% |
| Loan Loss Reserve to NPL | 302.96% |
| Loan Loss Reserve to NPA | 302.96% |
| Loan Loss Reserve to Loans | 1.62% |
| NPA to Total Assets | 0.33% |
| Loans 30 Days Past Due | 0.00% |
| Assets | $924,042,000 |
| Net Income | $6,169,000 |
| Leverage Ratio | 15.76% |
| Tier 1 Risk-Based Ratio | 20.38% |
| Total Risk-Based Ratio | 21.71% |
| Loan Loss Reserve to NPL | 302.96% |
| Loan Loss Reserve to NPA | 302.96% |
| Loan Loss Reserve to Loans | 1.62% |
| NPA to Total Assets | 0.33% |
| Loans 30 Days Past Due | 0.00% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 06/30/2026 | 03/31/2026 | 12/31/2025 | 9/30/2025 |
|---|---|---|---|---|
| Tier 1 Leverage | 15.76% | 15.60% | 14.49% | 14.63% |
| Tier 1 Risk-Based Capital | 20.38% | 20.42% | 20.60% | 20.44% |
| Total Risk-Based Capital | 21.71% | 21.75% | 21.94% | 21.78% |
| NPAs to Total Assets | 0.33% | 0.34% | 0.35% | 0.34% |
| Loan Loss Reserve to Total Loans | 1.62% | 1.64% | 2.03% | 1.99% |
| Texas Ratio | 6.45% | 6.53% | 7.46% | 7.58% |
| Return on Average Assets | 1.28% | 1.61% | 0.94% | 1.03% |
| Return on Average Equity | 8.27% | 10.50% | 6.50% | 7.16% |
Ratio Trend Lines
06/30/2026
15.76%
03/31/2026
15.60%
12/31/2025
14.49%
9/30/2025
14.63%
Ratio Trend Lines
06/30/2026
20.38%
03/31/2026
20.42%
12/31/2025
20.60%
9/30/2025
20.44%
Ratio Trend Lines
06/30/2026
21.71%
03/31/2026
21.75%
12/31/2025
21.94%
9/30/2025
21.78%
Ratio Trend Lines
06/30/2026
0.33%
03/31/2026
0.34%
12/31/2025
0.35%
9/30/2025
0.34%
Ratio Trend Lines
06/30/2026
1.62%
03/31/2026
1.64%
12/31/2025
2.03%
9/30/2025
1.99%
Ratio Trend Lines
06/30/2026
6.45%
03/31/2026
6.53%
12/31/2025
7.46%
9/30/2025
7.58%
Ratio Trend Lines
06/30/2026
1.28%
03/31/2026
1.61%
12/31/2025
0.94%
9/30/2025
1.03%
Ratio Trend Lines
06/30/2026
8.27%
03/31/2026
10.50%
12/31/2025
6.50%
9/30/2025
7.16%
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.
