American Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Exchange Bank of Henryetta, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 14.12% | 13.31% | +0.81% | 61st above |
| Net Interest Margin | 5.70% | 3.93% | +1.77% | 98th top |
| Efficiency Ratio | 63.10% | 61.14% | +1.96% | 45th below |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 7.27% | 5.67% | +1.60% | 97th top |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 62nd above |
| Net Interest Spread | 5.22% | 3.32% | +1.90% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.94% | -0.30% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 95th top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 171.28% | 1538.82% | -1367.54% | 43rd below |
| Texas Ratio | 7.41% | 7.33% | +0.08% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.54% | 12.14% | +1.40% | 79th top |
| Equity / Assets | 13.43% | 11.37% | +2.06% | 81st top |
| TCE / Tangible Assets | 13.43% | 11.09% | +2.34% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.72% | 80.64% | +5.08% | 38th below |
| Core Deposit Ratio | 95.66% | 86.86% | +8.80% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.80% | 6.85% | -1.05% | 61st above |
| Loan Growth (Y/Y) | 1.73% | 7.90% | -6.17% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.36% | 6.29% | -0.93% | 60th above |
See American Exchange Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Exchange Bank profile, how to read a UBPR, or how this data updates.