BlastPoint's Banking Scorecard
American Exchange Bank
Henryetta, OK
3 branches across OK
American Exchange Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.60% above tier average
- + ROA 0.81% above tier average
- + Efficiency Ratio 3.50% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.58% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.9M
+9.3% YoY
+7.7% QoQ
|
-$281.2M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.7% in tier |
| Total Loans ? |
$75.0M
+0.6% YoY
+0.3% QoQ
|
-$180.7M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.1% in tier |
| Total Deposits ? |
$90.5M
+9.4% YoY
+9.2% QoQ
|
-$237.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.7% in tier |
| Return on Assets ? |
2.08%
+6.3% YoY
+16.0% QoQ
|
+0.81% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 10.8% in tier |
| Net Interest Margin ? |
5.53%
+1.7% YoY
-2.5% QoQ
|
+1.60% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 2.8% in tier |
| Efficiency Ratio ? |
61.79%
+0.6% YoY
-6.4% QoQ
|
-3.50% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
1.46%
-31.4% YoY
+185.9% QoQ
|
+0.58% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
82.83%
-8.1% YoY
-8.2% QoQ
|
+6.19% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
20.48%
-7.5% YoY
-1.9% QoQ
|
-1.54% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.13%
-31.7% YoY
+133.6% QoQ
|
+0.49% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.55%
-0.1% YoY
-6.3% QoQ
|
-2.28% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
-6.3% YoY
-78.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
65% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.