Bank Comparison
American Exchange Bank, Lindsay, Oklahoma vs Port Richmond Savings
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 7
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.84% | 22.56% |
| Equity / Assets | 10.55% | 22.49% |
Profitability
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| Return on Assets (ROA) | 2.10% | 2.17% |
| Return on Equity (ROE) | 20.36% | 9.75% |
| Net Interest Margin (NIM) | 4.21% | 4.48% |
| Yield on Earning Assets | 5.13% | 6.17% |
| Cost of Funds | 0.73% | 2.65% |
Asset quality
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| Texas Ratio | 4.01% | 6.11% |
| Non-Performing Loan Ratio | 0.00% | 0.02% |
| Non-Performing Asset Ratio | 0.50% | 0.58% |
| Net Charge-Off Ratio | 0.44% | 0.00% |
| ACL / Loans | 6.33% | 1.17% |
Balance sheet
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| Total Assets | $97.4M | $97.2M |
| Total Deposits | $85.7M | $60.8M |
| Total Loans | $30.0M | $88.1M |
| Total Equity | $10.3M | $21.9M |
| Net Income (quarter) | $510K | $526K |
Liquidity & funding
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| Loan-to-Deposit Ratio | 35.03% | 144.90% |
| Core Deposit Ratio | 92.39% | 93.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Exchange Bank, Lindsay, Oklahoma | Port Richmond Savings |
|---|---|---|
| Headquarters City | Lindsay | Philadelphia |
| Headquarters State | OK | PA |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 15 | 8 |
| Established | January 1, 1924 | January 1, 1919 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full American Exchange Bank, Lindsay, Oklahoma profile | View full Port Richmond Savings profile | Browse all bank comparisons