BlastPoint

BlastPoint's Banking Scorecard

American Bank and Trust Company

$100M-$1B Specialty: Commercial OK FDIC cert 20537

Tulsa, OK

2 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -2.8% year over year ($268.9M on the books).
  • Delinquency rate 6.33%.
  • Return on assets 1.42%.
  • Efficiency ratio 54.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

American Bank and Trust Company has 3 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.19% above tier average
  • + Efficiency Ratio 9.64% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 6.5% in tier
  • - Margin Compression: Bottom 11.1% in tier
  • - Cost Spiral: Bottom 38.4% in tier
  • - Flatlined Growth: Bottom 43.1% in tier
  • - Delinquency Rate 5.41% above tier average
  • - Nonperforming Asset Ratio 3.42% above tier average
Get updates when American Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $324.4M
-1.7% YoY +1.5% QoQ
-$62.1M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $192.4M
-4.4% YoY -3.7% QoQ
-$66.0M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $268.9M
-2.8% YoY +1.6% QoQ
-$57.9M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.42%
-25.9% YoY -11.6% QoQ
+0.10% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 4.18%
-10.6% YoY +0.1% QoQ
+0.19% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 54.84%
+18.3% YoY +3.3% QoQ
-9.64% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 6.33%
+59.9% QoQ
+5.41% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 1.4% in tier
Loan-to-Deposit Ratio ? 71.55%
-1.6% YoY -5.2% QoQ
-6.40% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 25.75%
-16.8% YoY +1.1% QoQ
+3.72% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 4.08%
+45.4% QoQ
+3.42% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 1.6% in tier
Tier 1 Capital Ratio ? 15.32%
+0.1% YoY +1.6% QoQ
-0.59% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.29%
+46.8% YoY +74.5% QoQ
-0.27% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 25.8%
-5.2pp YoY
+0.3pp QoQ
 +3.6pp 22.1% 23.9% 22.2% 68%
Brokered Deposits 5.2%
+3.3pp YoY
+1.5pp QoQ
 -2.6pp 7.9% 9.7% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 55.8%
+1.8pp YoY
-0.6pp QoQ
 +44.3pp 11.6% 15.7% 12.5% 100%
CRE 37.0%
-1.3pp YoY
+0.3pp QoQ
 -2.6pp 39.5% 42.0% 41.4% 47%
1-4 Family 8.0%
+0.2pp YoY
+0.4pp QoQ
 -24.6pp 32.6% 24.0% 31.3% 8%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 5.6% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 15.3%
0.0pp YoY
+0.2pp QoQ
 +3.1pp 12.2% 11.7% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 39
-3 (-7.1%) YoY
0 QoQ
 -20 58 150 482 40%
Assets per Employee ($) $8.3M
+5.9% YoY
+1.5% QoQ
 +$801K $7.5M $6.5M $8.8M 71%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 3.3%
+2.4pp QoQ
 +3.0pp 0.3% 0.9% 0.4% 99%
Nonaccrual 3.0%
0.0pp QoQ
 +2.0pp 0.9% 1.5% 1.0% 94%
Allowance Coverage 0.19x
-28.9% QoQ
 -23.97x 24.15x 61.99x 20.23x 1%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
-0.3pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 9.2%
-3.9pp YoY
-1.3pp QoQ
 -3.0pp 12.2% 11.9% 11.6% 32%
Cost of Funds (YTD) 2.0%
0.0pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 71%
Net Income ($, YTD) $2.3M
-23.9% YoY
— QoQ
 -$268K $2.6M $8.7M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline
#36 of 535 • Bottom 6.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Margin Compression

decline
#35 of 307 • Bottom 11.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#54 of 138 • Bottom 38.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 54.84%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#229 of 529 • Bottom 43.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2597
Delinquency Rate
credit_quality
Value: 6.33%
Peer Median: 0.92%
#2597 of 2633 Bottom 1.4% in $100M-$1B
2601
Nonperforming Asset Ratio
credit_quality
Value: 4.08%
Peer Median: 0.67%
#2601 of 2643 Bottom 1.6% in $100M-$1B
Powered by BlastPoint © 2026