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American Bank And Trust Company
Tulsa, OK · FDIC Certificate #20537 · Chartered 11/0
Total assets
$324.44M
Total deposits
$268.85M
Total equity
$50.41M
Net loans
$192.37M
Branches (offices)
2
Net income (YTD)
$2.29M
Rank: #2,361 of 4,213 U.S. banks by assets · #77 of 168 in Oklahoma. Assets changed -1.7% and deposits -2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 9.23% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 15.54% |
| Tier 1 leverage ratio | 15.32% |
| Uninsured deposits (share of deposits) | 37.3% |
| Noncurrent loans (share of loans) | 6.26% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 45.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $86.67M | 45.1% | |
| Commercial & industrial | $107.44M | 55.8% | |
| Consumer / individual | $482.00K | 0.3% | |
| Construction & development | $20.75M | 10.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.08M | $240.70M | $1.63M | $31.97M |
| Jun 2023 | $280.41M | $240.44M | $1.99M | $34.52M |
| Jun 2024 | $296.54M | $250.67M | $2.13M | $40.41M |
| Jun 2025 | $329.94M | $276.68M | $3.01M | $47.84M |
| Jun 2026 | $324.44M | $268.85M | $2.29M | $50.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $268.85M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.85M.
Similar-sized banks
The First National Bank In Amboy ($324.52M) · Pinnacle Bank ($324.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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