American Exchange Bank
Henryetta, OK · Cert 428 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18)
State charter, non-member · FDIC · 3 branches
Q2 2026
$103.7MAssets
$76.3MLoans
$89.0MDeposits
$13.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets in the Tulsa, OK area (rank 4 of 18).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in the Tulsa, OK area (rank 15 of 18).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.53%
Rank 8 of 18
Net Interest Margin
4.92%
Rank 4 of 18
Efficiency Ratio
62.57%
Rank 10 of 18
Equity / Assets
13.43%
Rank 5 of 18
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 50% 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 | 1.53% | 0.94% | 1.44% | 1.74% | Beats 56% | 8 / 18 | |
| Return on Equity | 11.42% | 9.63% | 12.74% | 15.04% | Beats 39% | 11 / 18 | |
| Net Interest Margin | 4.92% | 3.75% | 4.31% | 4.83% | Beats 78% | 4 / 18 | |
| Efficiency Ratio | 62.57% | 53.05% | 62.57% | 69.59% | Beats 50% | 10 / 18 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.01% | 0.41% | 0.86% | Beats 22% | 15 / 18 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 44% | 11 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 11.17% | 13.04% | 15.32% | Beats 67% | 6 / 18 | |
| Total Risk-Based Capital Ratio | 13.54% | 11.17% | 13.81% | 15.32% | Beats 44% | 10 / 18 | |
| Equity / Assets | 13.43% | 9.28% | 11.57% | 13.43% | Beats 72% | 5 / 18 | |
| Liquidity & Funding |
| Loans / Deposits | 85.72% | 72.39% | 85.72% | 91.52% | 50th pctl | 9 / 18 | |
| Loans / Assets | 73.57% | 60.70% | 74.00% | 81.85% | 44th pctl | 10 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |