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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