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Letter portraitLegal landscapeQuarterYTD

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 1.56%, up 7 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 1.32% of loans (+63 bps YoY), with net recoveries of 0.04%.
  • 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 (YTD, annualized)

1.56%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.92%+12 bps YoY

Efficiency Ratio (YTD, annualized)

62.57%-50 bps YoY

Tier 1 Leverage Ratio

13.54%+16 bps YoY

NIM

5.85%Q2 ’246.21%Q2 ’256.29%Q2 ’26+3%+3%

Non-interest income vs. expense

3.61%Q2 ’243.36%Q2 ’253.38%Q2 ’26-5%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.25%1.54%1.49%1.59%1.42%1.64%1.56%+7 bps
Return on Equity13.11%11.22%11.68%11.32%11.88%10.50%12.13%11.57%+25 bps
Net Interest Margin4.79%4.84%4.78%4.80%4.98%5.03%4.95%4.92%+12 bps
Efficiency Ratio66.89%70.15%61.45%63.07%60.92%66.01%61.79%62.57%-50 bps
Non-Interest Burden3.00%3.20%2.73%2.83%2.83%3.13%2.86%2.90%+7 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 / Loans0.07%0.10%0.24%0.27%0.25%0.27%-0.03%-0.04%-31 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