AMERICAN BANK AND TRUST COMPANY

TULSA, OK | Small | Est. Nov. 5, 1971, midnight | FDIC #20537 | RSSD #452159 | FDIC
Latest Report: 2025-12-31

AMERICAN BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in TULSA, OK, established in Nov. 5, 1971, midnight. As of 2025-12-31, the bank reported total assets of $323M and total deposits of $269M. Profitability stands at 1.58% ROA and 10.87% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 15.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.01% and a Texas Ratio of 13.87%. FDIC Certificate #20537.

Assets

$323M

Deposits

$269M

Loans

$199M

Equity

$49M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 10.87%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.49%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 3.01%
Net Charge-Off Ratio 0.55%
Texas Ratio 13.87%
NPA Ratio 2.19%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 15.04%
Tier 1 Capital 15.04%
Total Capital Ratio 15.80%
Leverage Ratio 13.94%
Loan-to-Deposit 73.86%

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