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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 75thStandingRank8-Qtr TrendPeer 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