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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 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

4.04%Q2 ’244.38%Q2 ’254.58%Q2 ’26+15%+7%

Non-interest income vs. expense

1.96%Q2 ’241.81%Q2 ’251.86%Q2 ’26-6%+20%

Executive Summary

  • Earnings: ROA of 2.06%, up 22 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.44%.
  • 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 (quarter, annualized)

2.06%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+25 bps YoY

Efficiency Ratio (quarter, annualized)

46.99%+90 bps YoY

Tier 1 Leverage Ratio

11.84%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.90%-2.98%2.14%2.06%+22 bps
Return on Equity19.41%18.17%-27.99%21.37%20.36%+95 bps
Net Interest Margin3.48%3.60%3.53%3.49%3.72%+25 bps
Efficiency Ratio46.09%50.76%126.64%45.44%46.99%+90 bps
Non-Interest Burden1.36%1.68%4.54%1.44%1.62%+27 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 / Loans0.16%0.02%-0.15%0.04%0.44%+28 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