American Exchange Bank (Henryetta, OK)
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Data as of · sourced from FFIEC call reports. How we update
American Exchange Bank is an FDIC-insured commercial bank headquartered in Henryetta, OK, established in 1933 (FDIC certificate 428), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $103.7M, up 5.8% from Q2 2025, the 129th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.54% 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
- 428
- Headquarters
- Henryetta, OK
- Established
- 1933
- Total assets, Q2 2026
- $103.7M
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 13.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103112248
- Asset rank in state
- 129th of 169 in Oklahoma
Problem loans are rising at American Exchange Bank. It reported $104 million in assets at June 30, 2026, up 5.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.69% a year earlier. It keeps 5.70 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 46% of its capital, about a third the median of 1.2 times for banks its size.
Net income for the quarter rose 10% from a year earlier, to $486,000. Over the same year, loans grew 1.7% and deposits grew 5.4%. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, American Exchange Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 7.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Exchange Bank is the 129th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $103.7M, loans rose 0.6% and deposits fell 1.7%. 1-4 family residential loans made up 59.4% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 10.8%. The FDIC Summary of Deposits lists 3 offices for it, in Henryetta, OK and Okemah, OK; its Henryetta 2 offices book 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 510 W Main St, Henryetta, OK 74437
- County
- Okmulgee
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $89.0M
- Allowance for credit losses
- $841K
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $105.4M
- Average total loans
- $76.1M
- Average interest-bearing deposits
- $71.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 428
- Fed RSSD
- 811550
- Website
- americanexchange.bank →
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 Exchange Bank 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 Exchange Bank's total assets ran between $85.1M (Q3 2023) and $104.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$103.7M total assets against $98.0M; $89.8M total liabilities against $85.3M.
$75.4M net loans and leases against $74.1M; $89.0M total deposits against $84.5M.
$5.6M securities against $5.3M; $15.9M cash and balances due against $12.1M.
$1.7M total interest income against $1.6M; $364K total interest expense against $358K.
$1.3M net interest income against $1.2M.
$118K total noninterest income against $135K; $910K total noninterest expense against $879K.
$10K provision for credit losses against $42K.
$486K net income against $440K.
1.84% return on assets against 1.78%; 5.70% net interest margin against 5.45%.
13.54% tier 1 leverage ratio against 13.38%.
Inside the full American Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Exchange Bank rankings
Its closest position to the top of a national ranking is 679 of 3,611, for ROA; its furthest is 3,642 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q4 2024) to 2.21% (Q3 2025) and its net interest margin ran from 5.25% (Q1 2025) to 5.74% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.54% | 1.84% | 1.32% | 7.41% | 5.70% |
| Q1 2026 | 13.55% | 2.04% | 1.45% | 8.23% | 5.55% |
| Q4 2025 | 14.46% | 1.14% | 0.51% | 3.25% | 5.66% |
| Q3 2025 | 14.07% | 2.21% | 0.65% | 3.43% | 5.74% |
| Q2 2025 | 13.38% | 1.78% | 0.69% | 3.88% | 5.45% |
| Q1 2025 | 13.56% | 1.91% | 2.11% | 11.96% | 5.25% |
| Q4 2024 | 14.01% | 1.05% | 1.03% | 5.91% | 5.40% |
| Q3 2024 | 12.31% | 1.94% | 1.45% | 9.10% | 5.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Exchange Bank (main office) | Henryetta , OK | 74437 | $77.4M |
| Okemah Branch | Okemah , OK | 74859 | $11.6M |
| Drive-In Branch | Henryetta , OK | 74437 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 146 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $495K approved, $495K 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
- Enforcement actions, 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 Exchange Bank
What are American Exchange Bank's total assets?
As of the Q2 2026 filing, American Exchange Bank reported total assets of $103.7 million in its FFIEC call report.
Where is American Exchange Bank headquartered?
It is headquartered in Henryetta, OK, United States.
When was American Exchange Bank founded?
It was established in 1933, per the FDIC institution directory.
Is American Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #428). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Exchange Bank?
American Exchange Bank's primary federal regulator is the FDIC.
How many branches does American Exchange Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Exchange Bank's Texas Ratio?
Its Texas Ratio is 7.41% 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.
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