TellerScore

American Bank and Trust Company (FDIC certificate #20537) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $324.4M in total assets and $268.9M in deposits and 2 offices.

American Bank and Trust Company has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 126th. Capital cushion contributes the most (100/100, 15.32%); loan quality contributes the least (0/100, 6.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.32%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.26%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 71.6% · 37.3% uninsured
Problem-loan coverage50/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 33 points (93 → 60), mostly because the loan quality component weakened by 100 points.

TellerScore
557493Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202488
Q4 202489
Q1 202592
Q2 202593
Q3 202564
Q4 202555
Q1 202662
Q2 202660
Tier 1 leverage ratio
5.00%10.16%15.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.25%
Q3 202414.17%
Q4 202414.32%
Q1 202514.70%
Q2 202515.31%
Q3 202514.21%
Q4 202513.94%
Q1 202615.08%
Q2 202615.32%
Noncurrent loans
0.00%3.13%6.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20252.08%
Q4 20253.99%
Q1 20263.92%
Q2 20266.26%
Return on assets
0.87%1.44%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20241.46%
Q4 20241.64%
Q1 20252.01%
Q2 20251.92%
Q3 20250.87%
Q4 20251.06%
Q1 20261.60%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$324.4M15.32%6.26%1.42%71.6%
Q1 202662$319.7M15.08%3.92%1.60%75.5%
Q4 202555$323.1M13.94%3.99%1.06%73.0%
Q3 202564$335.2M14.21%2.08%0.87%67.8%
Q2 202593$329.9M15.31%0.00%1.92%72.7%
Q1 202592$306.6M14.70%0.00%2.01%76.0%
Q4 202489$305.4M14.32%0.00%1.64%71.5%
Q3 202488$321.4M14.17%0.00%1.46%63.2%
Q2 202488$296.5M14.25%0.00%1.44%66.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.32%
88th
Total risk-based capital0.00%
24th
Problem loans6.26%
1st
Net charge-offs0.30%
9th
Return on assets1.42%
60th
Net interest margin4.18%
64th
Efficiency ratio54.8%
72nd
Loans to deposits71.6%
67th
Uninsured deposits37.3%
14th
Loan-loss reserves1.16%
46th
Texas ratio25.2%
4th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK78 out of 100, Strong$318.8M10.6%0.00%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs
First Bethany Bank & TrustBank Bethany, OK71 out of 100, Strong$316.8M9.1%0.18%vs
Bank of CommerceBank Duncan, OK46 out of 100, Below average$334.0M10.5%2.27%vs
Patrons Bank, National AssociationBank Okmulgee, OK69 out of 100, Moderate$314.5M10.8%0.80%vs
The First Security BankBank Beaver, OK35 out of 100, Low$335.0M8.3%2.34%vs

Deposit insurance

Is my money safe at American Bank and Trust Company?

Yes. American Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.3% of deposits ($100.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

American Bank and Trust Company lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
American Bank and Trust Company
Former names
American Bank of Tulsa
Type
State-chartered bank
FDIC certificate #
20537
RSSD ID
452159
Primary regulator
FDIC
Established
November 5, 1971
Headquarters
6060 S American Plaza St E, Tulsa, OK 74135
Employees
39

Quick answers

American Bank and Trust Company: common questions

Is American Bank and Trust Company FDIC insured?

Yes. American Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank and Trust Company's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #20537 in the FDIC failed bank list.

How many branches does American Bank and Trust Company have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs