Sapulpa, OK · Cert 4190 · American Bcorp Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
53
Profitability
17
Liquidity
0
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sapulpa, OK · Cert 4190 · American Bcorp Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 2.8% share · #12 of 59 inst. · $1.1B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.63% | 0.65% | 0.72% | 0.76% | 0.78% | 0.75% | 0.76% | +4 bps | |
| Return on Equity | 7.73% | 7.63% | 7.82% | 8.69% | 8.92% | 8.99% | 8.29% | 8.41% | -28 bps | |
| Net Interest Margin | 2.28% | 2.30% | 2.37% | 2.49% | 2.59% | 2.65% | 2.56% | 2.59% | +10 bps | |
| Efficiency Ratio | 69.33% | 70.06% | 70.86% | 69.01% | 68.31% | 68.03% | 68.40% | 67.99% | -103 bps | |
| Non-Interest Burden | 1.38% | 1.42% | 1.51% | 1.53% | 1.57% | 1.60% | 1.56% | 1.56% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 1.13% | 1.09% | -1.22% | -2.32% | -3.56% | -2.31% | -0.23% | +99 bps | |
| Loan Growth (YoY) | 0.58% | 1.35% | 2.26% | 4.90% | 2.90% | 1.21% | 0.06% | -1.66% | -656 bps | |
| Deposit Growth (YoY) | -2.54% | -1.04% | -0.73% | -1.63% | -3.32% | -3.89% | -3.07% | -2.13% | -50 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.06% | 0.10% | 0.16% | 0.13% | 0.12% | 0.09% | 0.21% | +5 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.14% | 0.07% | 0.06% | 0.04% | 0.13% | 0.11% | +4 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.42% | 1.42% | 1.43% | 1.47% | 1.47% | 1.48% | +6 bps | |
| Allowance Coverage of NPLs | 32.3x | 23.3x | 14.7x | 9.0x | 10.6x | 12.0x | 15.8x | 7.1x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.39% | 9.44% | 9.32% | 9.43% | 9.82% | 9.71% | 9.56% | 9.57% | +14 bps | |
| Total Risk-Based Capital | 24.85% | 24.86% | 25.11% | 24.89% | 25.16% | 24.49% | 24.77% | 24.73% | -15 bps | |
| Equity / Assets | 8.71% | 8.40% | 8.26% | 8.31% | 9.25% | 9.08% | 8.95% | 9.20% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.60% | 41.26% | 41.73% | 43.20% | 44.28% | 43.45% | 43.08% | 43.41% | +21 bps | |
| Liquid Assets / Assets | 40.28% | 37.89% | 35.57% | 33.15% | 28.12% | 27.96% | 30.61% | 28.45% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 135.64% | 143.17% | 141.65% | n/a | n/a | |
Sapulpa, OK · Cert 4190 · Peer group: banks $1B-$10B in assets (n=322-328) · American Bcorp Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Return on Assets
0.76%
Rank 267 of 328
Net Interest Margin
2.59%
Rank 300 of 328
Efficiency Ratio
68.34%
Rank 258 of 328
Equity / Assets
9.20%
Rank 243 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.91% | 1.22% | 1.52% | Beats 19% | 267 / 328 | ||
| Return on Equity | 8.24% | 8.43% | 11.45% | 14.43% | Beats 23% | 251 / 328 | ||
| Net Interest Margin | 2.59% | 3.03% | 3.45% | 3.83% | Beats 9% | 300 / 328 | ||
| Efficiency Ratio | 68.34% | 51.61% | 59.56% | 67.53% | Beats 22% | 258 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.24% | 0.51% | 1.03% | Beats 77% | 75 / 322 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.10% | Beats 28% | 234 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.48% | 11.75% | 13.15% | 15.47% | Beats 94% | 19 / 328 | ||
| Total Risk-Based Capital Ratio | 24.73% | 12.63% | 14.15% | 16.46% | Beats 94% | 19 / 328 | ||
| Equity / Assets | 9.20% | 9.15% | 10.33% | 12.01% | Beats 26% | 243 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.41% | 76.63% | 87.92% | 95.36% | 3rd pctl | 314 / 323 | ||
| Loans / Assets | 33.92% | 65.18% | 74.15% | 79.98% | 4th pctl | 315 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||