BlastPoint's Banking Scorecard
American Exchange Bank
Henryetta, OK
3 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 +5.4% year over year ($89.0M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.99%.
- Efficiency ratio 62.57% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Exchange Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.59% above tier average
- + ROA 0.66% above tier average
- + Efficiency Ratio 1.91% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.7M
+5.8% YoY
-1.2% QoQ
|
-$282.9M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.8% in tier |
| Total Loans ? |
$75.4M
+1.8% YoY
+0.6% QoQ
|
-$182.9M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.7% in tier |
| Total Deposits ? |
$89.0M
+5.4% YoY
-1.7% QoQ
|
-$237.7M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.3% in tier |
| Return on Assets ? |
1.99%
+5.0% YoY
-4.7% QoQ
|
+0.66% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 13.5% in tier |
| Net Interest Margin ? |
5.58%
+0.8% YoY
+0.9% QoQ
|
+1.59% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 2.6% in tier |
| Efficiency Ratio ? |
62.57%
-0.8% YoY
+1.3% QoQ
|
-1.91% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
1.33%
+90.3% YoY
-9.0% QoQ
|
+0.41% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
84.77%
-3.4% YoY
+2.3% QoQ
|
+6.82% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
21.39%
-4.2% YoY
+4.4% QoQ
|
-0.64% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.06%
+96.6% YoY
-6.7% QoQ
|
+0.39% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.54%
+1.2% YoY
-0.1% QoQ
|
-2.36% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.24%
-10.5% YoY
+92.3% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
61% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.4%
-0.9pp YoY +0.9pp QoQ |
-0.8pp | 22.1% | 23.9% | 22.2% | 51% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.2%
+0.1pp YoY +0.1pp QoQ |
-7.4pp | 11.6% | 15.7% | 12.5% | 15% |
| CRE |
12.5%
-1.9pp YoY -0.7pp QoQ |
-27.1pp | 39.5% | 42.0% | 41.4% | 8% |
| 1-4 Family |
60.0%
+2.9pp YoY +0.1pp QoQ |
+27.4pp | 32.6% | 24.0% | 31.3% | 90% |
| Consumer |
10.4%
+0.1pp YoY +0.3pp QoQ |
+6.3pp | 4.1% | 5.6% | 5.0% | 93% |
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 |
13.5%
+0.2pp YoY 0.0pp QoQ |
+1.4pp | 12.2% | 11.7% | 12.6% | 79% |
| 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 |
30
+4 (+15.4%) YoY +1 (+3.4%) QoQ |
-29 | 58 | 150 | 482 | 26% |
| Assets per Employee ($) |
$3.5M
-8.3% YoY -4.5% QoQ |
-$4.1M | $7.5M | $6.5M | $8.8M | 2% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.6pp YoY -0.4pp QoQ |
+0.4pp | 0.3% | 0.9% | 0.4% | 87% |
| Nonaccrual |
0.7%
0.0pp YoY +0.3pp QoQ |
-0.3pp | 0.9% | 1.5% | 1.0% | 60% |
| Allowance Coverage |
0.84x
-48.4% YoY +11.9% QoQ |
-23.32x | 24.15x | 61.99x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+0.3pp YoY -0.7pp QoQ |
+2.5pp | 12.2% | 11.9% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 40% |
| Net Income ($, YTD) |
$1.0M
+12.9% YoY — QoQ |
-$1.5M | $2.6M | $8.7M | $40.4M | 27% |
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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 (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.