American Exchange Bank, Lindsay, Oklahoma: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.30 percentage points lower than in Q1 2026, at 8.35%. American Exchange Bank, Lindsay, Oklahoma has the 10th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 35.03% as of Q2 2026. American Exchange Bank, Lindsay, Oklahoma reported 35.03% on loan-to-deposit ratio for Q2 2026, 32.59 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.0M |
| Net loans and leases | $28.1M |
| Loans held for sale | $0 |
| Loans to total assets | 30.84% |
| Loan-to-deposit ratio | 35.03% |
| Net loans to equity capital | 2.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.43% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 24.24% |
| Consumer | 11.68% |
| Credit cards | 0.00% |
| Farm | 11.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.35% |
| Construction concentration (Tier 1 capital + allowance) | 8.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.40% |
| Interest income on loans | $555K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.3M | $71.4M | 13.59% | 23.79% | 14.41% |
| Q4 2023 | $25.5M | $72.3M | 14.02% | 22.10% | 14.87% |
| Q1 2024 | $26.8M | $79.4M | 17.11% | 23.09% | 13.33% |
| Q2 2024 | $27.8M | $79.6M | 16.38% | 21.70% | 12.87% |
| Q3 2024 | $29.0M | $77.6M | 21.70% | 23.52% | 12.96% |
| Q4 2024 | $29.2M | $78.1M | 21.33% | 23.49% | 12.76% |
| Q1 2025 | $31.3M | $87.1M | 19.40% | 23.57% | 14.17% |
| Q2 2025 | $32.1M | $83.6M | 18.68% | 23.98% | 13.06% |
| Q3 2025 | $32.7M | $82.8M | 17.87% | 25.91% | 13.14% |
| Q4 2025 | $31.2M | $80.6M | 18.35% | 25.77% | 14.07% |
| Q1 2026 | $30.6M | $89.2M | 18.84% | 25.37% | 14.02% |
| Q2 2026 | $30.0M | $85.7M | 18.43% | 24.24% | 11.68% |
American Exchange Bank, Lindsay, Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange Bank, Lindsay, Oklahoma, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Exchange Bank, Lindsay, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2328) · FFIEC NIC profile (RSSD 826451)