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American Bank of Oklahoma

Collinsville, OK · Cert 34606

FDIC · 6 branches

Q4 2025

$395.3MAssets
$243.1MLoans
$329.5MDeposits
$49.1MEquity
Loan mix
69%RE $159.2M20%C&I $46.7M11%Consumer $26.5MQ4 2024Q4 2025
Deposit mix
83%Interest-bearing $274.1M17%Noninterest $55.4MQ4 2024Q4 2025

NIM

6.48%Q4 ’236.90%Q4 ’240.76%Q4 ’25-6%-89%

Non-interest income vs. expense

4.66%Q4 ’234.64%Q4 ’240.43%Q4 ’25+3%-90%

Market Position · Tulsa, OK · 2025 SOD (annual) · 0.5% share · #32 of 60 inst. · $0.2B of $37.9B

0.4% Tulsa
5.9% Muskogee
7.4% Osage
2.5% Washington

Executive Summary

  • Earnings: ROA of 0.18%, up 63 bps year over year; NIM at 0.53%.
  • Asset quality: problem loans at 3.19% of loans (+72 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.68%, up 46 bps from a year ago.
  • Funding: loans stand at 73.78% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.18%+63 bps YoY

Net Interest Margin (YTD, annualized)

0.53%-432 bps YoY

Efficiency Ratio (YTD, annualized)

68.14%-1,296 bps YoY

Tier 1 Leverage Ratio

9.68%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.45%0.12%0.41%-0.18%0.18%+63 bps
Return on Equity-4.65%1.25%4.33%-1.94%1.77%+642 bps
Net Interest Margin4.85%4.70%4.67%4.67%0.53%-432 bps
Efficiency Ratio81.10%88.88%84.33%82.53%68.14%-1,296 bps
Non-Interest Burden3.77%4.10%3.81%3.72%0.37%-340 bps
Growth
Asset Growth (YoY)6.12%0.44%0.28%-4.04%2.32%-380 bps
Loan Growth (YoY)-2.16%-8.88%-10.50%-12.39%-16.46%-1,430 bps
Deposit Growth (YoY)9.10%1.69%1.60%-3.62%2.57%-654 bps
Asset Quality
Nonperforming Loans / Loans2.46%2.68%3.24%3.19%3.19%+72 bps
Net Charge-Offs / Loans2.13%0.23%0.05%0.17%0.01%-211 bps
Allowance / Loans1.17%1.32%1.48%2.31%3.31%+214 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.7x1.0x+0.6x
Capital
Tier 1 Leverage Ratio9.22%9.31%9.58%9.21%9.68%+46 bps
Total Risk-Based Capital9.22%9.31%9.58%9.21%15.50%+628 bps
Equity / Assets9.41%9.36%9.61%9.35%12.43%+303 bps
Liquidity & Funding
Loans / Deposits90.58%87.82%86.18%82.73%73.78%-1,680 bps
Liquid Assets / Assets6.26%6.71%5.50%5.26%0.26%-600 bps
CRE / Total Capitaln/an/an/a217%193.40%n/a