AVB Bank


322 S Main St
Broken Arrow, OK 74012
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.50% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.61% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

AVB Bank is an FDIC insured institution located in Broken Arrow, OK. It was founded in 1905 and has approximately $0.46 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 2326
Date Established 1905
Assets $ 460.99 million
Loans $ 340.61 million
Deposits $ 415.74 million
Capital $ 38.55 million

For a more detailed analysis of AVB Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 23, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - February 23, 2024

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 7.50% 4.75% $746.47
4 Year 7.10% 5.00% $575.73
5 Year 6.95% 5.25% $474.65
6 Year 5.61% 5.50% $408.45

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


AVB Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

AVB Bank Locations

Climate Initiatives

AVB Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

AVB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AVB Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AVB Bank U.S. Bank Average
0.33% 4.13%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2023, AVB Bank had $150,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $38,550,000 in equity and $6,868,000 in loans loss reserves. That gives it a Texas Ratio of 0.33%.

Return on Equity
AVB Bank U.S. Bank Average
9.26% 26.02%

AVB Bank has a Return on Equity of 9.26% versus the BestCashCow average of 26.02%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

AVB Bank U.S. Bank Average
8.36% 10.23%

AVB Bank has a Capitalization of 8.36% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AVB Bank Balance Sheet Analysis

As of September 30, 2023, AVB Bank had assets of $460,993,000, loans of $340,611,000, and deposits of $415,740,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2023
Cash & Balances due from depository institutions $ 10.29 million
Interest-bearing balances $ 6.37 million
Total securities $ 83.30 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 340.61 million
Loan loss allowance $ 6.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 15.94 million
     Total Assets $ 422.44 million
Total deposits $ 415.74 million
      Interest-bearing deposits $ 343.68 million
      Deposits held in domestic offices $ 415.74 million
      % insured (estimated) 69.11%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.48 million
      Total Liabilities $ 422.44 million
      Shareholders’ Equity $ 38.55 million

Summary Income Statement

September 30, 2023
Total Interest Income $ 16.93 million
Total Interest Expense $ 3.59 million
Net interest income $ 13.35 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.32 million
Total non interest expense $ 11.05 million
Pre-tax Net Operating Income $ 2.36 million

Bank Loan Profile?

The top three loan types in AVB Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, AVB Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.71
Credit Card Loans 0.02
Consumer Auto Loans 0.13
Small Business Loans 0.00
Construction and Development Loans 11.80
Commercial Real Estate 32.75
Commercial and Industrial Loans 14.26
Farm Loans 0.00

Customer Reviews for AVB Bank

  • April 22, 2022 |

    I am considering finding another bank to do business with

  • April 22, 2022 |

    dealing with avb bank at 51st & Mingo in Tulsa this is one location you should avoid at ALL cost I have never in all the years of dealing with bankers been so badly treated by the lady manager there ( if you could call her a lady ha ha, who should be fired ) thought she had the right to chew me out over her perceived biases. the staff at that location is poorly trained and defiantly not helpful as reflected by their manager. I guess that they forgot that the customer is the reason their in business. I went to a different branch in broken arrow and was treated 100% better asking the teller to do the exact same transaction that I asked their other bank to do and wouldn't do, he was friendly and did not argue with me as their other branch did
    I will not be doing business with the 51st branch ever again. upper management you need to take this seriously if you dont think customer service is important and the way management treats coutomers

Add Your Review

or use your BestCashCow account