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American Exchange Bank

Henryetta, OK · Cert 428

State charter, non-member · FDIC · 3 branches

Q2 2026

$103.7MAssets
$76.3MLoans
$89.0MDeposits
$13.9MEquity
Loan mix
84%RE $57.2M5%C&I $3.1M11%Consumer $7.5MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $70.0M21%Noninterest $19.0MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.2% share · #44 of 59 inst. · $0.1B of $39.3B

13.0% Okmulgee
9.1% Okfuskee

Executive Summary

  • Earnings: ROA of 1.46%, up 4 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 1.32% of loans (+63 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 13.54%, up 16 bps from a year ago.
  • Funding: loans stand at 85.72% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.46%+4 bps YoY

Net Interest Margin (quarter, annualized)

5.00%+4 bps YoY

Efficiency Ratio (quarter, annualized)

63.33%-126 bps YoY

Tier 1 Leverage Ratio

13.54%+16 bps YoY

NIM

5.95%Q2 ’246.42%Q2 ’256.39%Q2 ’26+5%+1%

Non-interest income vs. expense

3.66%Q2 ’243.56%Q2 ’253.45%Q2 ’26+1%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%0.84%1.54%1.43%1.76%0.91%1.64%1.46%+4 bps
Return on Equity13.92%6.58%11.68%10.99%13.02%6.46%12.13%11.09%+10 bps
Net Interest Margin4.96%4.90%4.78%4.97%5.23%5.12%4.95%5.00%+4 bps
Efficiency Ratio64.03%79.73%61.45%64.58%56.88%80.47%61.79%63.33%-126 bps
Non-Interest Burden2.96%3.78%2.73%3.01%2.76%3.99%2.86%3.00%-1 bps
Growth
Asset Growth (YoY)5.68%3.67%4.54%6.00%5.73%7.64%9.28%5.80%-20 bps
Loan Growth (YoY)8.48%6.79%4.50%2.75%2.13%1.15%0.55%1.73%-102 bps
Deposit Growth (YoY)3.56%0.20%1.04%2.73%3.48%7.12%9.43%5.36%+263 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.03%2.11%0.69%0.65%0.51%1.45%1.32%+63 bps
Net Charge-Offs / Loans0.04%0.19%0.24%0.30%0.21%0.31%-0.03%-0.05%-35 bps
Allowance / Loans1.21%1.16%1.14%1.12%1.15%1.06%1.08%1.10%-2 bps
Allowance Coverage of NPLs0.8x1.1x0.5x1.6x1.8x2.1x0.7x0.8x-0.8x
Capital
Tier 1 Leverage Ratio12.31%14.01%13.56%13.38%14.07%14.46%13.55%13.54%+16 bps
Total Risk-Based Capital12.31%14.01%13.56%13.38%14.07%14.46%13.55%13.54%+16 bps
Equity / Assets12.05%13.47%12.97%12.99%14.04%14.07%12.97%13.43%+44 bps
Liquidity & Funding
Loans / Deposits94.13%96.55%91.13%88.77%92.90%91.17%83.74%85.72%-305 bps
Liquid Assets / Assets3.28%2.28%7.22%9.36%5.70%7.85%14.41%12.76%+340 bps
CRE / Total Capitaln/an/an/an/a75.72%77.27%70.83%n/an/a