BlastPoint's Banking Scorecard

American Exchange Bank, Lindsay, Oklahoma

$100M-$1B Specialty: Other OK FDIC cert 2328

Lindsay, OK

2 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

American Exchange Bank, Lindsay, Oklahoma has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 28.2% in tier
+ Credit Quality Leader: Top 40.1% in tier
+ Efficiency Ratio 19.84% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.07% below tier average

Get updates when American Exchange Bank, Lindsay, Oklahoma releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$100.3M +3.1% YoY +9.7% QoQ	-$285.8M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 0.2% in tier
Total Loans ?	$28.6M -4.1% YoY -2.3% QoQ	-$227.1M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 0.9% in tier
Total Deposits ?	$89.2M +2.4% YoY +10.6% QoQ	-$238.8M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 2.4% in tier
Return on Assets ?	2.14% +22.3% YoY +231.0% QoQ	+0.87%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 9.7% in tier
Net Interest Margin ?	3.86% +9.2% YoY +1.5% QoQ	-0.07%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	45.44% -9.7% YoY -33.3% QoQ	-19.84%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 9.4% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	32.11% -6.4% YoY -11.7% QoQ	-44.53%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Top 2.1% in tier
Non-Interest-Bearing Deposit Share ?	33.05% +3.3% YoY -9.7% QoQ	+11.03%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 12.4% in tier
Nonperforming Asset Ratio ?	0.49% -8.8% QoQ	-0.15%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	11.30% +0.1% YoY +0.9% QoQ	-4.53%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.06% -18.5% YoY -81.6% QoQ	-0.22%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	28%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Profitability Leader

growth

#189 of 666 • Top 28.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.14%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Credit Quality Leader

growth

#267 of 664 • Top 40.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 32.11%

Peer Median: 76.64%

#57 of 2664 Top 2.1% in $100M-$1B

251

Efficiency Ratio

profitability

Value: 45.44%

Peer Median: 65.29%

#251 of 2664 Top 9.4% in $100M-$1B

259

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.27%

#259 of 2664 Top 9.7% in $100M-$1B

331

Non-Interest-Bearing Deposit Share

funding

Value: 33.05%

Peer Median: 22.02%

#331 of 2664 Top 12.4% in $100M-$1B

Top Weaknesses (3 metrics)

2661

Total Assets

size

Value: $100.29M

Peer Median: $386.08M

#2661 of 2664 Bottom 0.2% in $100M-$1B

2641

Total Loans

size

Value: $28.63M

Peer Median: $255.72M

#2641 of 2664 Bottom 0.9% in $100M-$1B

2602

Total Deposits

size

Value: $89.16M

Peer Median: $327.97M

#2602 of 2664 Bottom 2.4% in $100M-$1B