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American Exchange Bank
Henryetta, OK · FDIC Certificate #428 · Chartered 01/0
Total assets
$103.69M
Total deposits
$89.00M
Total equity
$13.92M
Net loans
$75.45M
Branches (offices)
3
Net income (YTD)
$1.01M
Rank: #3,655 of 4,213 U.S. banks by assets · #129 of 168 in Oklahoma. Assets changed 5.8% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 14.74% |
| Net interest margin (YTD) | 5.58% |
| Equity to assets | 13.43% |
| Tier 1 leverage ratio | 13.54% |
| Uninsured deposits (share of deposits) | 22.6% |
| Noncurrent loans (share of loans) | 1.32% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 84.8% |
| Real estate loans (share of loans) | 75.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.07M | 75.6% | |
| Commercial & industrial | $3.16M | 4.2% | |
| Consumer / individual | $7.82M | 10.4% | |
| Construction & development | $1.92M | 2.5% | |
| Agricultural | $8.21M | 10.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $80.53M | $71.53M | $283.00K | $8.17M |
| Jun 2023 | $84.10M | $74.70M | $475.00K | $8.52M |
| Jun 2024 | $92.46M | $82.24M | $751.00K | $9.31M |
| Jun 2025 | $98.01M | $84.48M | $897.00K | $12.73M |
| Jun 2026 | $103.69M | $89.00M | $1.01M | $13.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $89.00M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $89.00M.
Similar-sized banks
The First National Bank Of Lacon ($103.74M) · Citizens State Bank And Trust Company ($103.62M)
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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