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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.76% | 0.78% | 0.75% | 0.76% | +4 bps | |
| Return on Equity | 8.69% | 8.92% | 8.99% | 8.29% | 8.41% | -28 bps | |
| Net Interest Margin | 2.49% | 2.59% | 2.65% | 2.56% | 2.59% | +10 bps | |
| Efficiency Ratio | 69.01% | 68.31% | 68.03% | 68.40% | 67.99% | -103 bps | |
| Non-Interest Burden | 1.53% | 1.57% | 1.60% | 1.56% | 1.56% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.22% | -2.32% | -3.56% | -2.31% | -0.23% | +99 bps | |
| Loan Growth (YoY) | 4.90% | 2.90% | 1.21% | 0.06% | -1.66% | -656 bps | |
| Deposit Growth (YoY) | -1.63% | -3.32% | -3.89% | -3.07% | -2.13% | -50 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.13% | 0.12% | 0.09% | 0.21% | +5 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.04% | 0.13% | 0.11% | +4 bps | |
| Allowance / Loans | 1.42% | 1.43% | 1.47% | 1.47% | 1.48% | +6 bps | |
| Allowance Coverage of NPLs | 9.0x | 10.6x | 12.0x | 15.8x | 7.1x | -1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.43% | 9.82% | 9.71% | 9.56% | 9.57% | +14 bps | |
| Total Risk-Based Capital | 24.89% | 25.16% | 24.49% | 24.77% | 24.73% | -15 bps | |
| Equity / Assets | 8.31% | 9.25% | 9.08% | 8.95% | 9.20% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.20% | 44.28% | 43.45% | 43.08% | 43.41% | +21 bps | |
| Liquid Assets / Assets | 33.15% | 28.12% | 27.96% | 30.61% | 28.45% | -469 bps | |
| CRE / Total Capital | n/a | 135.64% | 143.17% | 141.65% | n/a | n/a | |