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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tulsa, OK · FDIC certificate #20537
AMERICAN BANK&TRUST CO is an FDIC-insured institution based in Tulsa, OK (FDIC certificate #20537). In its Q3 2026 Call Report it reported total assets of $328M, total deposits of $271M and net loans of $175M. Its primary federal regulator is FDIC.
Plain-language readout
AMERICAN BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $328M in Q3 2026 and were lowest at $320M in Q1 2026.
Total deposits were highest at $271M in Q3 2026 and lowest at $265M in Q1 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $328M | $271M | $175M | 1.43% | 9.26% | 4.16% |
| Q2 2026 | $324M | $269M | $192M | 1.42% | 9.23% | 4.18% |
| Q1 2026 | $320M | $265M | $200M | 1.60% | 10.49% | 4.17% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.7M | $7.0M | +$14.7M | +210.4% |
| Federal funds sold | $1.2M | $501K | +$726K | +144.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $84.2M | $88.0M | -$3.8M | -4.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $192.4M | $199.7M | -$7.3M | -3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.5M | $11.6M | -$115K | -1.0% |
| Other real estate owned | $1.1M | $1.1M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.4M | $11.8M | +$616K | +5.2% |
| Total assets | $324.4M | $319.7M | +$4.8M | +1.5% |
| Liabilities | ||||
| Total deposits | $268.9M | $264.6M | +$4.2M | +1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.8M | $3.8M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.5M | -$180K | -11.7% |
| Total liabilities | $274.0M | $270.0M | +$4.0M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.1M | $1.1M | $0K | 0.0% |
| Surplus | $2.9M | $2.9M | $0K | 0.0% |
| Retained earnings | $46.9M | $46.0M | +$886K | +1.9% |
| Accumulated other comprehensive income | -$460K | -$315K | -$145K | -46.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $50.4M | $49.7M | +$741K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $13.3M | $9.0M | +$4.3M | +47.6% |
| Adjusted nonperforming assets | $13.3M | $9.0M | +$4.3M | +47.6% |
| Tangible equity plus allowance | $52.7M | $51.7M | +$935K | +1.8% |
| Texas ratio (gross) | 25.16% | 17.36% | +7.80 pts | See points |
| Texas ratio (adjusted) | 25.16% | 17.36% | +7.80 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 25.16% | 17.36% | +7.80 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 15.32% | 15.08% | +0.24 pts | See points |
| Construction and land loans to total capital | 38.97% | 45.06% | -6.09 pts | See points |
| Commercial real estate to total capital | 106.56% | 112.59% | -6.03 pts | See points |
| Dividend payout, year to date | 9.84% | 8.69% | +1.15 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.49% | -1.19% | -0.30 pts | See points |
| Liquidity | ||||
| Core deposits | $213.9M | $212.2M | +$1.6M | +0.8% |
| Non-core funding | $58.8M | $56.3M | +$2.6M | +4.5% |
| Loans to core deposits | 91.01% | 95.07% | -4.07 pts | See points |
| Loans to deposits | 72.39% | 76.24% | -3.84 pts | See points |
| Brokered deposits share of deposits | 5.22% | 3.76% | +1.47 pts | See points |
| Pledged securities share of securities | 50.21% | 47.97% | +2.24 pts | See points |
| Loans pledged, share of loans | 21.95% | 20.79% | +1.16 pts | See points |
| Volatile liabilities | $58.8M | $56.3M | +$2.6M | +4.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.7M | +$1.5M | +89.1% |
| Earnings before provision, single quarter | $1.5M | $1.7M | -$186K | -10.9% |
| Provision for credit losses, year to date | $225K | $0K | +$225K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.46% | 7.39% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.81% | 3.80% | +0.01 pts | See points |
| Total interest income to average assets | 5.49% | 5.55% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 2.50% | 2.65% | -0.15 pts | See points |
| Cost of savings and money market deposits | 1.90% | 1.96% | -0.06 pts | See points |
| Cost of time deposits | 3.78% | 3.77% | +0.01 pts | See points |
| Total interest expense to average assets | 1.77% | 1.82% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $328M | $271M | $175M | 1.43% | 9.26% | 4.16% |
| 2026-06-30 | $324M | $269M | $192M | 1.42% | 9.23% | 4.18% |
| 2026-03-31 | $320M | $265M | $200M | 1.60% | 10.49% | 4.17% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $276.7M | 0.20% | 85 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.