BlastPoint's Banking Scorecard
American Bank and Trust Company
Micro
Specialty: Commercial
OK
FDIC cert 20537
Designations: ✓ Community bank
Tulsa, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
American Bank and Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.39% above tier
- - Nonperforming Asset Ratio 2.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$323.1M
+5.8% YoY
-3.6% QoQ
|
+$105.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$196.7M
+7.4% YoY
+2.6% QoQ
|
+$57.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$269.4M
+5.2% YoY
-4.7% QoQ
|
+$85.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.06%
-35.3% YoY
+21.6% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.51%
+2.0% YoY
-0.8% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
50.83%
+0.7% YoY
+2.3% QoQ
|
-16.90% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
4.03%
+91.5% QoQ
|
+3.39% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
73.00%
+2.1% YoY
+7.6% QoQ
|
-1.52% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
27.23%
-8.5% YoY
-13.3% QoQ
|
+4.83% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.79%
+131.3% QoQ
|
+2.33% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-49.2% YoY
+106.5% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.03%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.79%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Efficiency Ratio
Current: 50.83% · Tier avg: 67.73%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
76
76th pctile
Total Assets
Current: $323.1M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $269.4M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $196.7M · Tier avg: $139.2M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.23% · Tier avg: 22.39%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.00% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.79% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.79% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.64%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.00% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.23% · Tier avg: 22.39%
73
73th pctile
Total Loans
Current: $196.7M · Tier avg: $139.2M
75
75th pctile
Total Deposits
Current: $269.4M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $323.1M · Tier avg: $217.5M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.83% · Tier avg: 67.73%