American Bank and Trust Company: Financial Reports & UBPR Data
BankRegReports is independent of American Bank and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at American Bank and Trust Company. It reported $324 million in assets at June 30, 2026, down 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.26% of loans from 0.00% a year earlier. It carries problem assets equal to 25.2% of the capital and reserves that would absorb them, 9.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 3.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The commercial and industrial book ($107 million) is worsening: 8.98% of it is past due or on nonaccrual, up from 4.52% a year earlier. Earnings fell sharply: quarterly net income of $998,000 was 32% below a year earlier. Profitability lags: it returns 8.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, American Bank and Trust Company reported a return on assets of 1.20%, a nonperforming-loan ratio of 2.95% and a Texas ratio of 25.16%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6060 S American Plaza St E, Tulsa, OK 74135
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 5, 1971
- Former names
- American Bank of Tulsa (1972-1983)
- Offices
- 2 domestic
- Employees (FTE)
- 39
- Domestic deposits
- $268.9M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $293K
- Average total assets
- $332.8M
- Average total loans
- $198.9M
- Average interest-bearing deposits
- $200.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 5, 1971
- FDIC Cert
- 20537
- Fed RSSD
- 452159
- Website
- www.americanbanktulsa.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Bank and Trust Company, freeAmerican Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Bank and Trust Company: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.32% | 1.20% | 2.95% | 25.16% | 4.03% |
| Q1 2026 | 15.08% | 1.55% | 2.96% | 17.36% | 3.96% |
| Q4 2025 | 13.94% | 1.48% | 3.01% | 17.68% | 3.95% |
| Q3 2025 | 14.21% | -1.10% | 0.48% | 8.15% | 4.20% |
| Q2 2025 | 15.31% | 1.84% | 0.00% | 0.00% | 4.59% |
| Q1 2025 | 14.70% | 1.91% | 0.00% | 0.00% | 4.40% |
| Q4 2024 | 14.32% | 2.06% | 0.00% | 0.13% | 4.81% |
| Q3 2024 | 14.17% | 1.50% | 0.00% | 0.00% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank and Trust Company (main office) | Tulsa , OK | 74135 | $268.9M |
| East Lobby Branch | Tulsa , OK | 74136 | $0 |
Regulatory record
What the public regulatory sources show for American Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 30, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 87 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $298K approved, $298K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows American Bank and Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare American Bank and Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about American Bank and Trust Company
What are American Bank and Trust Company's total assets?
As of the Q2 2026 filing, American Bank and Trust Company reported total assets of $324.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Bank and Trust Company headquartered?
American Bank and Trust Company is headquartered in Tulsa, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Bank and Trust Company founded?
American Bank and Trust Company was established in 1971, per the FDIC institution directory.
Is American Bank and Trust Company FDIC-insured?
Yes. American Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #20537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank and Trust Company?
American Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does American Bank and Trust Company operate?
American Bank and Trust Company operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank and Trust Company's Texas Ratio?
American Bank and Trust Company's Texas Ratio is 25.16% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was American Bank and Trust Company previously called?
The charter now named American Bank and Trust Company has also operated as American Bank of Tulsa (1972-1983), per FDIC structure-change records.
Go deeper on American Bank and Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock American Bank and Trust Company, freeFree account