American Exchange Bank, Lindsay, Oklahoma
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Data as of · sourced from FFIEC call reports. How we update
American Exchange Bank, Lindsay, Oklahoma is an FDIC-insured commercial bank headquartered in Lindsay, OK, established in 1924 (FDIC certificate 2328), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $97.4M, up 3.1% from Q2 2025, the 131st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.84% 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
- 2328
- Headquarters
- Lindsay, OK
- Established
- 1924
- Total assets, Q2 2026
- $97.4M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 11.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103668
- Latest call report
- Q2 2026, FFIEC 051 · American Exchange Bank, Lindsay, Oklahoma call report
- Holding company
- AMERICAN HOLDING COMPANY OF LINDSAY, INC.
- Asset rank in state
- 131st of 169 in Oklahoma
American Exchange Bank, Lindsay, Oklahoma is one of the more profitable banks of its size. It reported $97 million in assets at June 30, 2026, up 3.1% from a year earlier. It returns 20.4% a year on shareholders' equity, 2.4 times the median of 8.6% for the 533 banks with less than $100 million in assets. It also spends about 45 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
Net income for the quarter rose 16% from a year earlier, to $510,000. Over the same year, loans shrank 6.4% and deposits grew 2.5%.
As of June 30, 2026, American Exchange Bank, Lindsay, Oklahoma reported a return on assets of 2.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 4.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Exchange Bank, Lindsay, Oklahoma is the 131st largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $97.4M, loans fell 1.7% and deposits fell 3.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.2% of total loans, ahead of 1-4 family residential loans at 20.5%. Its one office in the FDIC Summary of Deposits is in Lindsay, OK. On its Q2 2026 call report, American Exchange Bank, Lindsay, Oklahoma meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 402 S Main St, Lindsay, OK 73052
- County
- Garvin
- 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, 1924
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $85.7M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $97.1M
- Average total loans
- $30.0M
- Average interest-bearing deposits
- $85.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2328
- Fed RSSD
- 826451
- Parent Holding Company
- AMERICAN HOLDING COMPANY OF LINDSAY, INC. (RSSD 1057065)
- Ultimate Parent
- GRIFFITH FAMILY FINANCIAL HOLDINGS, L.L.C. (RSSD 2816858)
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, Lindsay, Oklahoma 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, Lindsay, Oklahoma's total assets ran between $80.0M (Q3 2023) and $100.3M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$97.4M total assets against $94.4M; $87.1M total liabilities against $85.1M.
$28.1M net loans and leases against $30.6M; $85.7M total deposits against $83.6M.
$54.7M securities against $49.0M; $8.5M cash and balances due against $9.4M.
$1.1M total interest income against $1.1M; $208K total interest expense against $217K.
$904K net interest income against $836K.
$58K total noninterest income against $110K; $452K total noninterest expense against $436K.
$0 provision for credit losses against $0.
$510K net income against $441K.
2.10% return on assets against 1.83%; 4.21% net interest margin against 3.92%.
11.84% tier 1 leverage ratio against 11.41%.
Inside the full American Exchange Bank, Lindsay, Oklahoma terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.96% (Q4 2025) to 2.11% (Q1 2026) and its net interest margin ran from 3.35% (Q4 2024) to 4.21% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.84% | 2.10% | 0.00% | 4.01% | 4.21% |
| Q1 2026 | 11.30% | 2.11% | 0.00% | 4.17% | 3.98% |
| Q4 2025 | 11.20% | -2.96% | 0.00% | 4.30% | 3.91% |
| Q3 2025 | 12.08% | 1.89% | 0.00% | 0.00% | 4.09% |
| Q2 2025 | 11.41% | 1.83% | 0.00% | 0.00% | 3.92% |
| Q1 2025 | 11.29% | 1.73% | 0.00% | 0.00% | 3.67% |
| Q4 2024 | 11.37% | -1.54% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 12.25% | 1.22% | 0.00% | 0.00% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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, Lindsay, Oklahoma (main office) | Lindsay , OK | 73052 | $85.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 149 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $49K approved, $49K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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, Lindsay, Oklahoma
What are American Exchange Bank, Lindsay, Oklahoma's total assets?
As of the Q2 2026 filing, American Exchange Bank, Lindsay, Oklahoma reported total assets of $97.4 million in its FFIEC call report.
Where is American Exchange Bank, Lindsay, Oklahoma headquartered?
It is headquartered in Lindsay, OK, United States.
When was American Exchange Bank, Lindsay, Oklahoma founded?
It was established in 1924, per the FDIC institution directory.
Is American Exchange Bank, Lindsay, Oklahoma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2328). 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, Lindsay, Oklahoma?
American Exchange Bank, Lindsay, Oklahoma's primary federal regulator is the FDIC.
How many branches does American Exchange Bank, Lindsay, Oklahoma 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 Exchange Bank, Lindsay, Oklahoma's Texas Ratio?
Its Texas Ratio is 4.01% 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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