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American Exchange Bank, Lindsay, Oklahoma

Lindsay, OK · Cert 2328 · Griffith Family Finl Holdings L L C

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 OK (n=88 to 89). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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 Exchange Bank, Lindsay, Oklahoma

Lindsay, OK · Cert 2328 · Griffith Family Finl Holdings L L C

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$97.4MAssets
$30.0MLoans
$85.7MDeposits
$10.3MEquity
Loan mix
57%RE $15.8M28%C&I $7.8M15%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $58.2M32%Noninterest $27.5MQ2 2025Q2 2026

NIM

3.84%Q2 ’244.27%Q2 ’254.49%Q2 ’26+15%+9%

Non-interest income vs. expense

1.79%Q2 ’241.77%Q2 ’251.78%Q2 ’26-3%+10%

Executive Summary

  • Earnings: ROA of 2.12%, up 31 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 11.84%, up 42 bps from a year ago.
  • Funding: loans stand at 35.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.12%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+30 bps YoY

Efficiency Ratio (YTD, annualized)

46.24%-182 bps YoY

Tier 1 Leverage Ratio

11.84%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.84%0.65%2.14%2.12%+31 bps
Return on Equity19.23%18.77%6.51%21.37%20.83%+160 bps
Net Interest Margin3.31%3.44%3.49%3.49%3.61%+30 bps
Efficiency Ratio48.06%48.98%68.12%45.44%46.24%-182 bps
Non-Interest Burden1.39%1.50%2.27%1.44%1.53%+15 bps
Growth
Asset Growth (YoY)5.70%7.94%4.19%3.07%3.11%-260 bps
Loan Growth (YoY)15.30%12.79%6.89%-2.38%-6.39%-2,168 bps
Deposit Growth (YoY)5.11%6.65%3.15%2.42%2.49%-262 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.06%0.01%0.04%0.24%+16 bps
Allowance / Loans4.45%4.36%6.20%6.33%6.33%+188 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.41%12.08%11.20%11.30%11.84%+42 bps
Total Risk-Based Capital11.41%12.08%11.20%11.30%11.84%+42 bps
Equity / Assets9.90%10.96%10.29%9.73%10.55%+65 bps
Liquidity & Funding
Loans / Deposits38.35%39.47%38.75%34.27%35.03%-332 bps
Liquid Assets / Assets2.91%2.64%1.09%1.00%1.03%-189 bps
CRE / Total Capitaln/a64.04%72.07%66.11%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 Exchange Bank, Lindsay, Oklahoma

Lindsay, OK · Cert 2328 · Peer group: banks under $1B in assets in OK (n=88-89) · Griffith Family Finl Holdings L L C

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$97.4MAssets
$30.0MLoans
$85.7MDeposits
$10.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets in OK (rank 64 of 88).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

2.10%

Rank 5 of 89

Net Interest Margin

3.61%

Rank 61 of 89

Efficiency Ratio

46.24%

Rank 8 of 89

Equity / Assets

10.55%

Rank 49 of 89

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 92% of banks under $1B in assets in OK
Bank 46.24%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.10%0.85%1.26%1.60%Beats 94%5 / 89
Return on Equity19.90%7.40%11.89%14.65%Beats 93%6 / 89
Net Interest Margin3.61%3.46%3.93%4.45%Beats 31%61 / 89
Efficiency Ratio46.24%54.70%60.95%71.14%Beats 92%8 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.15%0.00%0.03%0.20%Beats 28%64 / 88
Capital
Tier 1 Capital Ratio11.84%10.89%13.00%16.33%Beats 37%56 / 89
Total Risk-Based Capital Ratio11.84%11.20%13.06%16.33%Beats 37%56 / 89
Equity / Assets10.55%9.26%10.94%13.52%Beats 45%49 / 89
Liquidity & Funding
Loans / Deposits35.03%61.51%72.27%84.01%8th pctl81 / 88
Loans / Assets30.84%52.51%63.15%71.27%9th pctl81 / 89
Brokered Deposits / Depositsn/aNot reported for this institution