American Exchange Bank, Lindsay, Oklahoma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Exchange Bank, Lindsay, Oklahoma of Lindsay, OK against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.10% | 3.14% | -1.04% | 85th top |
| ROAE | 20.36% | 10.39% | +9.97% | 91st top |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 44.74% | 76.38% | -31.64% | 93rd top |
| PPNR / Avg Assets | 2.10% | 1.40% | +0.70% | 82nd top |
| Yield on Earning Assets | 5.13% | 5.35% | -0.22% | 46th below |
| Cost of Funds | 0.73% | 1.71% | -0.98% | 90th top |
| Net Interest Spread | 3.72% | 3.31% | +0.41% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.71% | -0.21% | 31st below |
| NCO / Avg Loans | 0.44% | 0.10% | +0.34% | 5th bottom |
| ACL / Total Loans | 6.33% | 1.47% | +4.86% | 99th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.01% | 8.26% | -4.25% | 41st below |
| Provision / NCO | 0.00% | 316.45% | -316.45% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.84% | 17.62% | -5.78% | 37th below |
| Equity / Assets | 10.55% | 16.44% | -5.89% | 32nd below |
| TCE / Tangible Assets | 10.55% | 16.19% | -5.64% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.03% | 72.93% | -37.90% | 88th top |
| Core Deposit Ratio | 92.39% | 88.20% | +4.19% | 56th above |
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. | 3.11% | 4.31% | -1.20% | 53rd above |
| Loan Growth (Y/Y) | -6.39% | 6.76% | -13.15% | 16th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.49% | 3.77% | -1.28% | 52nd above |
See American Exchange Bank, Lindsay, Oklahoma's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Exchange Bank, Lindsay, Oklahoma, 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, Lindsay, Oklahoma profile, how to read a UBPR, or how this data updates.