ALFALFA COUNTY BANCSHARES INC is the bank holding company. ACB BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

ALFALFA COUNTY BANCSHARES INC

Legal name: ALFALFA COUNTY BANCSHARES, INC.

1 active bank · $144M combined assets

RSSD ID: 1055708 (FFIEC NIC)

Combined Assets

$144M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankACB BANKCHEROKEE, OKSatisfactory$144MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$144M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$115M

Net Income

$663K

ROA (avg)

1.85%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

88%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
ACB BANK	CHEROKEE, OK	FDIC	$144M	100.0%	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.