BanksAMERICAN BANK AND TRUST COMPANY

AMERICAN BANK AND TRUST COMPANY

TULSA, OKSmallEst. Nov. 5, 1971, midnightFDIC #20537RSSD #452159FDIC
Latest · 2025-12-31

AMERICAN BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 15.04%, well above regulatory minimums. NPL ratio: 3.01% · Texas Ratio: 13.87%. Operates 2 domestic branches.

Assets
$323M
Deposits
$269M
Loans
$199M
Equity
$49M

Profitability

Return on Assets (ROA)1.58%
Return on Equity (ROE)10.87%
Net Interest Margin4.37%
Yield on Assets6.49%
Cost of Funds2.29%

Asset Quality

NPL Ratio3.01%
Net Charge-Off Ratio0.55%
Texas Ratio13.87%
NPA Ratio2.19%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio15.04%
Tier 1 Capital15.04%
Total Capital Ratio15.80%
Leverage Ratio13.94%
Loan-to-Deposit73.86%

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