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ACB Bank

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ACB Bank Rates & Review March 2026

Q: Is ACB Bank a safe place to deposit money?

Yes, ACB Bank is considered a safe financial institution. With a Texas Ratio of 17.219810140555%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does ACB Bank operate?

ACB Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, ACB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACB Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare ACB Bank rates to other rates in our database, including 12-month CD rates currently at 2.53%, 6-month CD rates at 0.05% and 3-month CD rates at 0.25%. Savings rates are at 1.00% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 5.57%. All these rates can be compared to ACB Bank rates. MonitorBankRates evaluates the financial stability of ACB Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 17.22%. Rates were last updated on 03/28/2026.

ACB Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ACB Bank? Share your experience about ACB Bank by leaving a review below, or read customer reviews before you decide to use ACB Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

17.22%

Good Higher than avg

ACB Bank

323 S Grand Ave
Cherokee, OK 73728

https://www.acbbank.net

Current Rate Availability

We do not have ACB Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for ACB Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather ACB Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ACB Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name ACB Bank

Bank Holding Company ALFALFA COUNTY BANCSHARES INC

Address 323 S Grand Ave, Cherokee, OK 73728 · Alfalfa

Website https://www.acbbank.net

FDIC Certificate # 4061

Established 01/29/1908

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

5.0

Exceptional Out of 5.0 Stars

17.22%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1758%

Return on Equity (ROE) 10.5100%

Non-Performing Loans (NPL) 1.64%

Total Assets $142,953,000

Total Deposits $114,283,000

Equity Capital $16,351,000

Net Income $2,226,000

Headquarters Cherokee

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About ACB Bank

Is ACB Bank a safe place to deposit money?

Yes, ACB Bank is considered a safe financial institution. With a Texas Ratio of 17.219810140555%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does ACB Bank operate?

ACB Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, ACB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACB Bank provides members with tools to manage their accounts and build a solid financial history.

Does ACB Bank offer online and mobile banking?

Most modern institutions like ACB Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.acbbank.net.