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
Unfavorable gap of $5.9M · efficiency ratio beats 61% of banks under $1B in assets in the Tulsa, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.94% | 1.44% | 1.74% | Beats 44% | 10 / 18 | |
| Return on Equity | 9.07% | 9.63% | 12.74% | 15.04% | Beats 11% | 16 / 18 | |
| Net Interest Margin | 3.72% | 3.75% | 4.31% | 4.83% | Beats 17% | 15 / 18 | |
| Efficiency Ratio | 54.84% | 53.05% | 62.57% | 69.59% | Beats 61% | 8 / 18 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.26% | 0.01% | 0.41% | 0.86% | Beats 6% | 18 / 18 | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.02% | 0.05% | Beats 17% | 16 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 15.32% | 11.17% | 13.04% | 15.32% | Beats 72% | 5 / 18 | |
| Total Risk-Based Capital Ratio | 15.32% | 11.17% | 13.81% | 15.32% | Beats 72% | 5 / 18 | |
| Equity / Assets | 15.54% | 9.28% | 11.57% | 13.43% | Beats 89% | 2 / 18 | |
| Liquidity & Funding |
| Loans / Deposits | 72.39% | 72.39% | 85.72% | 91.52% | 22nd pctl | 14 / 18 | |
| Loans / Assets | 59.99% | 60.70% | 74.00% | 81.85% | 17th pctl | 15 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |