American Bank and Trust Company (Tulsa, OK)
Also written as AB&T
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Data as of · sourced from FFIEC call reports. How we update
American Bank and Trust Company is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1971 (FDIC certificate 20537), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $324.4M, down 1.7% from Q2 2025, the 77th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20537
- Headquarters
- Tulsa, OK
- Established
- 1971
- Total assets, Q2 2026
- $324.4M
- Assets vs Q2 2025
- -1.7%
- Tier 1 leverage ratio, Q2 2026
- 15.32%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103901569
- Latest call report
- Q2 2026, FFIEC 051 · American Bank and Trust Company call report
- Asset rank in state
- 77th of 169 in Oklahoma
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 2.7% for the 2,627 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 12.6%).
As of June 30, 2026, American Bank and Trust Company reported a return on assets of 1.20%, a nonperforming-loan ratio of 6.26% and a Texas ratio of 25.16%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, American Bank and Trust Company is the 77th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $324.4M, loans fell 3.5% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 55.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 13.8%. Its 2 offices in the FDIC Summary of Deposits are in Tulsa, OK. Judged on its Q2 2026 call report, American Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 2 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Bank and Trust Company's total assets ran between $280.6M (Q3 2023) and $335.2M (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$324.4M total assets against $329.9M; $274.0M total liabilities against $282.1M.
$192.4M net loans and leases against $201.2M; $268.9M total deposits against $276.7M.
$84.2M securities against $85.4M; $22.9M cash and balances due against $26.8M.
$4.6M total interest income against $5.0M; $1.5M total interest expense against $1.5M.
$3.1M net interest income against $3.5M.
$415K total noninterest income against $311K; $2.0M total noninterest expense against $1.8M.
$225K provision for credit losses against $0.
$998K net income against $1.5M.
1.20% return on assets against 1.84%; 4.03% net interest margin against 4.59%.
15.32% tier 1 leverage ratio against 15.31%.
Inside the full American Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
American Bank and Trust Company rankings
Its closest position to the top of a national ranking is 98 of 3,640, for Texas Ratio; its furthest is 2,352 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.10% (Q3 2025) to 2.06% (Q4 2024) and its net interest margin ran from 3.95% (Q4 2025) to 4.81% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.32% | 1.20% | 6.26% | 25.16% | 4.03% |
| Q1 2026 | 15.08% | 1.55% | 3.92% | 17.36% | 3.96% |
| Q4 2025 | 13.94% | 1.48% | 3.99% | 17.68% | 3.95% |
| Q3 2025 | 14.21% | -1.10% | 2.08% | 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
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is American Bank and Trust Company headquartered?
It is headquartered in Tulsa, OK, United States.
When was American Bank and Trust Company founded?
It was established in 1971, per the FDIC institution directory.
Is American Bank and Trust Company FDIC-insured?
Yes. It 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.
How many branches does American Bank and Trust Company operate?
It 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?
Its Texas Ratio is 25.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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.
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