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American Bank and Trust Company

Tulsa, OK · Cert 20537

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Tulsa, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Bank and Trust Company

Tulsa, OK · Cert 20537

State charter, non-member · FDIC · 2 branches

Q2 2026

$324.4MAssets
$194.6MLoans
$268.9MDeposits
$50.4MEquity
Loan mix
44%RE $88.6M56%C&I $112.7M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $199.6M26%Noninterest $69.2MQ2 2025Q2 2026

NIM

5.73%Q2 ’246.13%Q2 ’255.52%Q2 ’26+13%-13%

Non-interest income vs. expense

2.25%Q2 ’242.17%Q2 ’252.35%Q2 ’26-7%+1%

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.7% share · #26 of 59 inst. · $0.3B of $39.3B

Executive Summary

  • Earnings: ROA of 1.42%, down 50 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 6.26% of loans (+626 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 15.32%, up 1 bps from a year ago.
  • Funding: loans stand at 72.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%-50 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-55 bps YoY

Efficiency Ratio (YTD, annualized)

54.84%+848 bps YoY

Tier 1 Leverage Ratio

15.32%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%0.87%1.06%1.60%1.42%-50 bps
Return on Equity13.09%6.01%7.25%10.49%9.23%-386 bps
Net Interest Margin4.27%4.02%3.83%3.73%3.72%-55 bps
Efficiency Ratio46.36%49.68%50.83%53.09%54.84%+848 bps
Non-Interest Burden1.76%1.93%1.85%1.68%1.78%+3 bps
Growth
Asset Growth (YoY)11.26%4.28%5.79%4.27%-1.67%-1,293 bps
Loan Growth (YoY)21.35%12.05%8.00%3.71%-3.72%-2,508 bps
Deposit Growth (YoY)10.38%3.65%5.23%3.89%-2.83%-1,321 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.08%3.99%3.92%6.26%+626 bps
Net Charge-Offs / Loans0.06%0.72%0.55%0.60%0.30%+24 bps
Allowance / Loans0.48%1.22%1.17%1.02%1.16%+68 bps
Allowance Coverage of NPLsn/a0.6x0.3x0.3x0.2xn/a
Capital
Tier 1 Leverage Ratio15.31%14.21%13.94%15.08%15.32%+1 bps
Total Risk-Based Capital15.31%14.21%13.94%15.08%15.32%+1 bps
Equity / Assets14.50%14.07%15.04%15.54%15.54%+104 bps
Liquidity & Funding
Loans / Deposits73.06%68.68%73.86%76.24%72.39%-67 bps
Liquid Assets / Assets5.66%10.51%4.00%1.03%5.22%-45 bps
CRE / Total Capitaln/a150.84%149.05%146.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Bank and Trust Company

Tulsa, OK · Cert 20537 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18)

State charter, non-member · FDIC · 2 branches

Q2 2026

$324.4MAssets
$194.6MLoans
$268.9MDeposits
$50.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in the Tulsa, OK area (rank 2 of 18).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets in the Tulsa, OK area (rank 18 of 18).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.41%

Rank 10 of 18

Net Interest Margin

3.72%

Rank 15 of 18

Efficiency Ratio

54.84%

Rank 8 of 18

Equity / Assets

15.54%

Rank 2 of 18

Non-interest income vs. expense

$1.9M$7.8MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 61% of banks under $1B in assets in the Tulsa, OK area
Bank 54.84%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.94%1.44%1.74%Beats 44%10 / 18
Return on Equity9.07%9.63%12.74%15.04%Beats 11%16 / 18
Net Interest Margin3.72%3.75%4.31%4.83%Beats 17%15 / 18
Efficiency Ratio54.84%53.05%62.57%69.59%Beats 61%8 / 18
Asset Quality
Nonperforming Loans / Loans6.26%0.01%0.41%0.86%Beats 6%18 / 18
Net Charge-Offs / Loans0.16%0.00%0.02%0.05%Beats 17%16 / 18
Capital
Tier 1 Capital Ratio15.32%11.17%13.04%15.32%Beats 72%5 / 18
Total Risk-Based Capital Ratio15.32%11.17%13.81%15.32%Beats 72%5 / 18
Equity / Assets15.54%9.28%11.57%13.43%Beats 89%2 / 18
Liquidity & Funding
Loans / Deposits72.39%72.39%85.72%91.52%22nd pctl14 / 18
Loans / Assets59.99%60.70%74.00%81.85%17th pctl15 / 18
Brokered Deposits / Depositsn/aNot reported for this institution