# AMERICAN EXCHANGE BANK
HENRYETTA, OK · FDIC certificate 428 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $103.7M | |
| Deposits | $89.0M | |
| Loans and leases | $76.3M | |
| Total equity | $13.9M | |
| Loans / deposits | 84.77% (p70 of band) | 73.59% |
| Liquid assets / assets | 20.74% (p24 of band) | |
| Uninsured deposits / deposits | 22.64% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.54% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -2.57% (p67 of band) | -6.57% |
| AOCI / equity | 0.06% (p87 of band) | |
| ROA (annualized) | 1.99% (p85 of band) | 1.17% |
| Net interest margin | 5.58% (p96 of band) | 3.93% |
| Efficiency ratio | 62.57% (p42 of band) | |
| Noncurrent loans | 1.32% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 83.68% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 13.76% (p45 of band) | |
| Auto loans | $1.0M (1.34% of loans; DQ 1.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | reserve under noncurrent |  |
| 2014-03 | 2 |  | uninsured deposits leaving, reserve under noncurrent |
| 2014-06 | 2 | charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 4 | capital falling, charge-offs p90 |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 2 |  | noncurrent p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 3 | capital falling | noncurrent p90 |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | uninsured deposits leaving |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 1 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving, capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, reserve under noncurrent |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 0 |  | charge-offs p90, capital falling, reserve under noncurrent |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, reserve under noncurrent |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2025-06 | 2 | capital falling | reserve under noncurrent |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2026-06 | 2 | capital falling |  |

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

- 2025-12-09 [Of 5 Oklahoma banks FDIC evaluated on CRA, 1 rated superior - southwestledger.news](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYjZ0NkxyQVRlaU9ReDNCbEdNUDV6Z3hDZXlHM0ZuY0trM3hDVng0SERjYUZ5ZTBGUVgxaGtvc3NQMFFqak0yTzhYaXgzNGROQ0szNkRWMWFndTJteEoyVXhESTNoazIzS3NjdWxJYmdyMU9oSUhkcnByVUdCYVg4ekwydUc0WnVYaUpOQUlaN1AxQjlv?oc=5) · southwestledger.news
- 2019-03-18 [Stovall named Okemah Market President for American Exchange Bank - Okemah News Leader](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSkVzREg4WnB2dUtSRGNfUnE4SW9oQ2R0aXJPXzZ2N3BYYzBjUmZLWTB5TnRXcUJtYktnS2dYaGFrNFZ5OHFuSWdtOFVqcW1qdVBkSkd5cXhHUXJLT2VmWDh2d0x1S0l0RkR6UnI4UjVkOHJLVVNaRi16cTU1MU1GTW12cldoRXNsYTl6RmhSYWl6dVhCc3dTejJ0aHp3bWs3Vzg5NlpwUmxYcGlOckE?oc=5) · Okemah News Leader
- 2026-07-01 [Danny Seibel, Cody Cordell plead guilty in Lindsay bank fraud case, Shaun Christian charges pending - nondoc.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTlhnbmpYWDdxYmdfb2JVR1pnbmxmSGw0bWVTS1lYUGlnWU5GRVRmUnJDeXNiS0JnWTZYVmxDeko5N0E0Yzh2SUhwQy15SlVuUGdaczI3RmxENWVMY3l3N1VnTTdFaVJhNHdkU3ViRC1jZG9JYlN3NlRkcmpQcUgwVkV3c3BadXJlcUNKS2VjTXlJdlpSTTJBZ1kxbFhUby1OaTlBa2ZvZ2tsLTVtRDFzal9hX184S0hKTGhuODhybHVVVlNoWk00?oc=5) · nondoc.com
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2015-03-07 [Helen Coble Hamlin Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMifkFVX3lxTE5BTnU4ckxxR21EQl9sTXRvRDJKMEhzbWRIQ2hxVVJzSWlpc1lOS3QwQThvV3ZFOUFxWlBCWW5YYmdwRGlrdmRGTW1PdFdwLUotbXptRWJQMUNsRDZHZDZJUFlXTGxaVDVzMmRnWndfLWlXYm9FUjhFWkdiY0t3dw?oc=5) · Northwest Arkansas Democrat-Gazette
- 2010-03-01 [Barbara A Lavendusky Obituary Mar 1, 2010 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE4yenZnOUtYWXd2N1hHZEpyOWZOYjI0M3BBMFZpZjAxdzMtQmhTb0dmUHlTOEctV2I1Wl93cjJocGE3c1hzSm9PekdDVmJFb0liTmxjcnJCb1ZUblkzUXFnR1BaYVZFSjNkWHB5dnpCOC1UOGxhRUhncA?oc=5) · schaudtfuneralservice.com
- 2023-03-13 [Bob Hal White Obituary (2023) - Lindsay, OK - Wilbourn Family Funeral Home - Lindsay - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE5FZlN1MDU0dmQ1TTVzcmdkdnJ5WmMwVkZXbTlCUWdqWktKbmFRbTF2bEU1Y1o1NTE0Q182Ty01QXlVdG11Sms3TUtyRklLZzdVNGhKOU1IanNJaXZYYkVLZUF3Sjk5bWdxU3ZlTVNzVjJTeGk2djFMSl9zQ28?oc=5) · Legacy obituary
- 2019-11-22 [Charles Hooper Obituary - Norman, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZzc3ZWZlalF2QnhwSXpxTmdDbDdRZVgycDltUlltVEZsNzZEV1RGUmdqM0NSTjlRTHJwODgwMFVUbTYtVDZ4dUgzeF9ja1F3eXFEZW14alBVQlRNLTdPLWg5TWJTSExxR0tpaDBlVTlkNUFXODN6WkdBZTJvdUhLdQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=428 (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/44.json (key "428", 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