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
Unfavorable gap of $1.5M · efficiency ratio beats 92% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.10% | 0.85% | 1.26% | 1.60% | Beats 94% | 5 / 89 | |
| Return on Equity | 19.90% | 7.40% | 11.89% | 14.65% | Beats 93% | 6 / 89 | |
| Net Interest Margin | 3.61% | 3.46% | 3.93% | 4.45% | Beats 31% | 61 / 89 | |
| Efficiency Ratio | 46.24% | 54.70% | 60.95% | 71.14% | Beats 92% | 8 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.82% | 2.25% | Beats 100% | 12 / 88 | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.03% | 0.20% | Beats 28% | 64 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 11.84% | 10.89% | 13.00% | 16.33% | Beats 37% | 56 / 89 | |
| Total Risk-Based Capital Ratio | 11.84% | 11.20% | 13.06% | 16.33% | Beats 37% | 56 / 89 | |
| Equity / Assets | 10.55% | 9.26% | 10.94% | 13.52% | Beats 45% | 49 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 35.03% | 61.51% | 72.27% | 84.01% | 8th pctl | 81 / 88 | |
| Loans / Assets | 30.84% | 52.51% | 63.15% | 71.27% | 9th pctl | 81 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |