AMERICAN EXCHANGE BANK, LINDSAY, OKLAHOMA

LINDSAY, OK | Micro | Est. Jan. 1, 1924, midnight | FDIC #2328 | RSSD #826451 | FDIC
Latest Report: 2025-12-31

AMERICAN EXCHANGE BANK, LINDSAY, OKLAHOMA is amn micro FDIC-insured commercial bank headquartered in LINDSAY, OK, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $91M and total deposits of $81M. Profitability stands at -2.98% ROA and -27.99% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 10.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 4.30%. FDIC Certificate #2328. The institution operates 1 domestic branch.

Assets

$91M

Deposits

$81M

Loans

$31M

Equity

$9M

Profitability

Return on Assets (ROA) -2.98%
Return on Equity (ROE) -27.99%
Net Interest Margin (NIM) 3.86%
Yield on Assets 4.78%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.30%
NPA Ratio 0.53%
ACL / Loans 6.20%

Capital & Liquidity

CET1 Ratio 10.29%
Tier 1 Capital 10.29%
Total Capital Ratio 10.80%
Leverage Ratio 11.20%
Loan-to-Deposit 38.75%

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