BlastPoint's Banking Scorecard
American Bank and Trust Company
Tulsa, OK
2 branches across OK
American Bank and Trust Company has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio 12.19% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 29.4% in tier
- - Margin Compression: Bottom 40.7% in tier
- - Delinquency Rate 3.07% above tier average
- - Nonperforming Asset Ratio 2.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.7M
+4.3% YoY
-1.1% QoQ
|
-$66.4M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$199.7M
+3.2% YoY
+1.5% QoQ
|
-$56.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$264.6M
+3.9% YoY
-1.8% QoQ
|
-$63.3M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.60%
-20.3% YoY
+51.6% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.17%
-11.4% YoY
-7.4% QoQ
|
+0.24% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
53.09%
+19.5% YoY
+4.5% QoQ
|
-12.19% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
3.96%
-1.8% QoQ
|
+3.07% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.4% in tier |
| Loan-to-Deposit Ratio ? |
75.46%
-0.7% YoY
+3.4% QoQ
|
-1.18% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
25.46%
-15.5% YoY
-6.5% QoQ
|
+3.44% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
2.81%
+0.8% QoQ
|
+2.17% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.4% in tier |
| Tier 1 Capital Ratio ? |
15.08%
+2.6% YoY
+8.2% QoQ
|
-0.75% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.17%
+47.8% YoY
-18.2% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
79% |
Get Full Access to American Bank and Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.