American Exchange Bank, Lindsay, Oklahoma: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 5.14 percentage points higher than in Q1 2026, at 56.22%. American Exchange Bank, Lindsay, Oklahoma ranks 32nd of 169 Oklahoma banks on return on assets, in the upper half at 2.10% (Q2 2026). American Exchange Bank, Lindsay, Oklahoma's return on assets of 2.10% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.12 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.84% |
| Equity capital to assets | 10.55% |
| Tangible equity to tangible assets | 10.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 4.01% |
| Allowance for credit losses to loans | 6.33% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 20.36% |
| Net interest margin | 4.21% |
| Efficiency ratio | 44.74% |
| Yield on earning assets | 5.13% |
| Cost of funds | 0.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.03% |
| Core deposits to total deposits | 92.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 56.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 0.89% | 3.52% | 0.00% | 0.03% |
| Q4 2023 | 11.88% | -1.96% | 2.81% | 0.00% | 0.02% |
| Q1 2024 | 11.62% | 1.25% | 3.22% | 0.00% | -0.02% |
| Q2 2024 | 11.53% | 1.29% | 3.47% | 0.00% | -0.07% |
| Q3 2024 | 12.25% | 1.22% | 3.58% | 0.00% | 0.09% |
| Q4 2024 | 11.37% | -1.54% | 3.35% | 0.00% | 0.03% |
| Q1 2025 | 11.29% | 1.73% | 3.67% | 0.00% | -0.01% |
| Q2 2025 | 11.41% | 1.83% | 3.92% | 0.00% | 0.16% |
| Q3 2025 | 12.08% | 1.89% | 4.09% | 0.00% | 0.02% |
| Q4 2025 | 11.20% | -2.96% | 3.91% | 0.00% | -0.15% |
| Q1 2026 | 11.30% | 2.11% | 3.98% | 0.00% | 0.04% |
| Q2 2026 | 11.84% | 2.10% | 4.21% | 0.00% | 0.44% |
American Exchange Bank, Lindsay, Oklahoma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange Bank, Lindsay, Oklahoma, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)