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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

6.89%Q4 ’236.86%Q4 ’24-16.60%Q4 ’25-12%-359%

Non-interest income vs. expense

4.81%Q4 ’235.00%Q4 ’24-11.27%Q4 ’25+15%-308%

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 1.25%, up 150 bps year over year; NIM at -11.82%.
  • Asset quality: problem loans at 3.19% of loans (+72 bps YoY), with net recoveries of 0.50%.
  • 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 (quarter, annualized)

1.25%+150 bps YoY

Net Interest Margin (quarter, annualized)

-11.82%-1,639 bps YoY

Efficiency Ratio (quarter, annualized)

74.23%-2,397 bps YoY

Tier 1 Leverage Ratio

9.68%+46 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.25%0.12%0.70%-1.38%1.25%+150 bps
Return on Equity-2.65%1.25%7.41%-14.59%11.45%+1,410 bps
Net Interest Margin4.57%4.70%4.56%4.69%-11.82%-1,639 bps
Efficiency Ratio98.21%88.88%79.76%78.83%74.23%-2,397 bps
Non-Interest Burden4.48%4.10%3.46%3.56%-9.31%-1,379 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 / Loans4.00%0.23%-0.14%0.41%-0.50%-450 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