American Bank of Oklahoma
Collinsville, OK · Cert 34606 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=19)
FDIC · 6 branches
Q4 2025
$395.3MAssets
$243.1MLoans
$329.5MDeposits
$49.1MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in the Tulsa, OK area (rank 10 of 19).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in the Tulsa, OK area (rank 19 of 19).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.17%
Rank 19 of 19
Net Interest Margin
0.53%
Rank 19 of 19
Efficiency Ratio
74.23%
Rank 17 of 19
Equity / Assets
12.43%
Rank 8 of 19
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 16% of banks under $1B in assets in the Tulsa, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.17% | 1.01% | 1.26% | 2.10% | Beats 0% | 19 / 19 | |
| Return on Equity | 1.39% | 8.55% | 12.22% | 16.28% | Beats 0% | 19 / 19 | |
| Net Interest Margin | 0.53% | 3.59% | 4.04% | 4.96% | Beats 0% | 19 / 19 | |
| Efficiency Ratio | 74.23% | 50.83% | 60.21% | 70.02% | Beats 16% | 17 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.19% | 0.18% | 0.44% | 1.22% | Beats 16% | 17 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.23% | 11.84% | 13.26% | 14.46% | Beats 68% | 6 / 19 | |
| Total Risk-Based Capital Ratio | 15.50% | 11.96% | 14.36% | 15.50% | Beats 74% | 5 / 19 | |
| Equity / Assets | 12.43% | 9.55% | 11.35% | 14.07% | Beats 58% | 8 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 73.78% | 72.69% | 86.19% | 94.68% | 26th pctl | 14 / 19 | |
| Loans / Assets | 61.50% | 61.50% | 73.30% | 82.34% | 21st pctl | 15 / 19 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 0.00% | 6.26% | Beats 100% | 10 / 19 | |