BlastPoint's Banking Scorecard
American Exchange Bank
Micro
Specialty: Consumer
OK
FDIC cert 428
Designations: ✓ Community bank
Henryetta, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
American Exchange Bank shows strong momentum with 1 strength and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.82% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.4M
+7.6% YoY
+2.5% QoQ
|
-$120.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$74.8M
+1.3% YoY
+0.7% QoQ
|
-$64.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$82.9M
+7.1% YoY
+2.5% QoQ
|
-$100.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.80%
+13.1% YoY
-11.0% QoQ
|
+0.71% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
5.67%
+4.6% YoY
-0.0% QoQ
|
+1.82% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
66.01%
-5.9% YoY
+8.4% QoQ
|
-1.71% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.51%
-51.0% YoY
-21.9% QoQ
|
-0.13% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
90.20%
-5.5% YoY
-1.8% QoQ
|
+15.68% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.88%
-16.4% YoY
-4.4% QoQ
|
-1.51% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.48%
-43.2% YoY
-5.5% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
38% |
| 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 ? |
0.57%
-10.5% YoY
+41.2% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.67%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
97
97th pctile
Net Interest Margin
Current: 5.67% · Tier avg: 3.85%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.20% · Tier avg: 74.53%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Efficiency Ratio
Current: 66.01% · Tier avg: 67.73%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.88% · Tier avg: 22.39%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
31
31th pctile
Total Loans
Current: $74.8M · Tier avg: $139.2M
23
23th pctile
Total Deposits
Current: $82.9M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.4M · Tier avg: $217.5M
Top Weaknesses
22
22th pctile
Total Assets
Current: $97.4M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $82.9M · Tier avg: $183.7M
31
31th pctile
Total Loans
Current: $74.8M · Tier avg: $139.2M
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.88% · Tier avg: 22.39%
50
50th pctile
Efficiency Ratio
Current: 66.01% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.20% · Tier avg: 74.53%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.67% · Tier avg: 3.85%