BlastPoint's Banking Scorecard
American Exchange Bank, Lindsay, Oklahoma
Micro
Specialty: Other
OK
FDIC cert 2328
Designations: ✓ Community bank
Lindsay, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
American Exchange Bank, Lindsay, Oklahoma has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.4M
+4.2% YoY
-3.4% QoQ
|
-$126.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$29.3M
+5.5% YoY
-6.2% QoQ
|
-$109.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$80.6M
+3.1% YoY
-2.6% QoQ
|
-$103.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.65%
+15.7% YoY
-65.0% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.80%
+14.0% YoY
+1.0% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
68.12%
-14.3% YoY
+39.1% QoQ
|
+0.39% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
36.34%
+2.2% YoY
-3.7% QoQ
|
-38.18% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.59%
+10.4% YoY
+3.7% QoQ
|
+14.19% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? | 0.53% | +0.08% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
35% |
| 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 ? |
0.34%
-3.7% YoY
+26.6% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.34%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.59% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
45
45th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 67.73%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
22
22th pctile
Total Deposits
Current: $80.6M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $91.4M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $29.3M · Tier avg: $139.2M
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.34% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.34% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $29.3M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $91.4M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $80.6M · Tier avg: $183.7M
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
45
45th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 67.73%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.59% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%