# AMERICAN BANK
WAGONER, OK · FDIC certificate 2312 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $35.1M | |
| Deposits | $31.6M | |
| Loans and leases | $15.0M | |
| Total equity | $3.5M | |
| Loans / deposits | 47.54% (p28 of band) | 59.63% |
| Liquid assets / assets | 52.78% (p69 of band) | |
| Uninsured deposits / deposits | 27.99% (p75 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.23% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.61% (p19 of band) | 10.37% |
| Unrealized securities loss / equity | -15.52% (p37 of band) | -10.87% |
| AOCI / equity | -10.88% (p40 of band) | |
| ROA (annualized) | -0.03% (p8 of band) | 0.73% |
| Net interest margin | 1.85% (p6 of band) | 2.97% |
| Efficiency ratio | 95.58% (p88 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p52 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $519,000 (3.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2012-06 | 1 |  | noncurrent p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | losing money, charge-offs p90 | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling, losing money, charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 0 |  | uninsured deposits leaving, expense ratio p90 |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 3 | capital falling, reserve under noncurrent |  |
| 2016-12 | 3 | losing money | capital falling |
| 2017-03 | 4 | NIM <2.5% |  |
| 2017-06 | 3 | uninsured deposits leaving | reserve under noncurrent, losing money |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | deposits shrinking |  |
| 2018-03 | 1 |  | NIM <2.5%, uninsured deposits leaving, deposits shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 1 |  | expense ratio p90 |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | NIM <2.5% |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | capital falling, losing money |
| 2021-12 | 3 | losing money |  |
| 2022-03 | 3 | capital falling | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-02 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH AMERICAN BANK HOLDING CORPORATION - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxORXR5cmpDU3FfNTltN084ZmNIVnBNNXdTdTFmNjdHbFZNSW9aWWNmakNTWXg4aXJKVkpFbEtaN2Nid1RmRVBlTnl0MlgzUEVlTno3VFNHZTR5N2ZxelNPc0pkOGFMcEc1ZGVfTGlPQmhKQlNoV19aUWR1dXU5d2hEOURYZFpfM2l6UUNRUVRTQWk1LU5uMk40Nk8wbURUdEsyeXJMa2J2aHBKZHZ1Xzc0VWxiVEdFN3J6aWNnWlZnVy0zbnU4WXdBRm1ZblBIdEZRWmdJ?oc=5) · PR Newswire
- 2026-06-11 [BancFirst to bulk up in Tulsa by acquiring Oklahoma rival - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQT1I0ODdUcVZTbDZDLUNxZl9zclVMcEZOMDdzYzRCeDVhUUlaREt1YmNaM0lIS1I5SUxNZDhPWmluYTlHTVYxR01TUElHYzFHM251VHFGazJ6UzE2dXlTVUZwMkp3a2ZvM1ptR2hCcDB3aUJDaDhwbVZIWldzY2RCRm9YWUI4anR3WTE3N3I4N080cFJZeFhMcQ?oc=5) · American Banker
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-06-12 [Oklahoma’s BancFirst to buy SpiritBank, boost Tulsa presence - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxONWxxZFlaWlVQaUVvM3g2VHF2T21rdW9iUk83RVFmNGgxZEFHZHR6VWh4SHJvbFlaa09UeXpVTTM3bWV0QTVkUDJpQTVISnBsWm1PR2NvT3VUWXhwZjQ4UWVtZXA4RVV5Q1AzRk1rWHJ2c1lBOWJqbEh2eU8tVmxIb201aHhra1NHYXh2Z0dEM0JfYnJhOGZB?oc=5) · Banking Dive
- 2025-11-17 [BancFirst acquires American Bank of Oklahoma, adding $328M in deposits - stocktitan.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmNTbEJ6dENwVnR4UThWaUJsMGpuMHNORjRmNFFsZF9PR1V1Yzh1NEE4VUFQMzdIaW51UUtEV1FwZ0xEZE12MXdSMUt0ZXk1UzdQc3ZGRjRtamxkME8tbVBlZmhhelpuSHVGNklXZWJ2bTRkRjF5X0FxYkdnS1YxSTY5LTJPc3UyOVh4T2NQUzRJdUd4TnJtQ2F5QUYtWlR3c1JxbnlZZVhkQQ?oc=5) · stocktitan.net
- 2023-08-30 [DOJ Reaches $1.15 Million Redlining Settlement With American Bank of Oklahoma - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPQmx1Yk9aN3ZuQ0hKOXdSVU15QzdxYUhJLUpEQ0ROcmpYdDBlb3N6NnROcWxPcjNlOS1mejVXRmMtU3VJS052NVQ2a1RaNUt6eFpQNmt0Y19MOExScGJnR2wzdFZwX2NVSUJQTlJsRWdIWTBwUER5RnBZaGVVQ1ladW5oOWEwLVNIRjNseXFvRkE1QkVjdUVGX3VtZi1ja09HWXNqeUNSQUNUR213YkFOZnB5N0F5Y0lVSmhLMll4YWV3TFJmVEMwOGl3Yk9yeHMtcEow?oc=5) · Consumer Financial Services Law Monitor
- 2026-04-09 [Joe Arthur Landon Obituary (2026) - Collinsville, OK - Lawson's Funeral Homes & Cremation Services - Jay - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9wdUtvdnhidW9yekxxYlBMbmtUaDdDRmZfcy00ZDVMSGVYbWpkdVEzaUJ0WlNvWWRxLXVVeFpIY2dnVXFxQW9nZ3ZDdDRoZ3lYNmZud1FzcDJLZGZ5ZFJmd2Y5Y3I0WE1idzBIajhkbkVjUVlpNmt2STRhOW92UQ?oc=5) · legacy.com
- 2023-08-30 [DOJ orders Oklahoma bank to invest in minority neighborhoods in wake of redlining accusations - KOSU](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOTjNscl9nNWw3MGhHVEc4TGg1RGo2Z0xOSkQwUVpfRWViWVlBdGpJTi1kWkRKTnZ5V0dicXEwVWJ3eEJ3MGgtZzFGc3ZDYlZLOFNaT1BCTkZxRnZvTjU2cGlQbVJFYUpKVXVvM2xYNzNnRndjX2VGek1ncGJ3RHBnUG53TzNSanhKM0djVUlnX21xVnJmVHNYYUFqV25HTnZPczVSS2x1OHZIZUtmRV8tS2FjanIyRW42a2FJcXloQzRfNVlKcE1iZjRBRHFvWmtyY1E?oc=5) · KOSU

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2312 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "2312", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide