TellerScore

American Exchange Bank, Lindsay, Oklahoma (FDIC certificate #2328) is based in Lindsay, Oklahoma. Its Q2 2026 call report shows $97.4M in total assets and $85.7M in deposits and 2 offices.

American Exchange Bank, Lindsay, Oklahoma has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 86% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 15th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (68/100, 11.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.84%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.12%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 32.8% · 23.2% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.01%

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 rose 2 points (86 → 88), mostly because the problem-loan coverage component weakened by 8 points.

TellerScore
768389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202484
Q4 202476
Q1 202585
Q2 202586
Q3 202589
Q4 202576
Q1 202686
Q2 202688
Tier 1 leverage ratio
5.00%8.62%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.53%
Q3 202412.25%
Q4 202411.37%
Q1 202511.29%
Q2 202511.41%
Q3 202512.08%
Q4 202511.20%
Q1 202611.30%
Q2 202611.84%
Noncurrent loans
-1.00%0.00%1.00%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 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.56%1.35%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.27%
Q4 20240.56%
Q1 20251.75%
Q2 20251.81%
Q3 20251.84%
Q4 20250.65%
Q1 20262.14%
Q2 20262.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$97.4M11.84%0.00%2.12%32.8%
Q1 202686$100.3M11.30%0.00%2.14%32.1%
Q4 202576$91.4M11.20%0.00%0.65%36.3%
Q3 202589$94.6M12.08%0.00%1.84%37.7%
Q2 202586$94.4M11.41%0.00%1.81%36.6%
Q1 202585$97.3M11.29%0.00%1.75%34.3%
Q4 202476$87.8M11.37%0.00%0.56%35.5%
Q3 202484$87.6M12.25%0.00%1.27%35.5%
Q2 202482$89.3M11.53%0.00%1.30%33.2%

546 peers · Under $100 million in assets

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 ratio11.84%
39th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.24%
11th
Return on assets2.12%
90th
Net interest margin3.96%
54th
Efficiency ratio46.2%
94th
Loans to deposits32.8%
88th
Uninsured deposits23.2%
24th
Loan-loss reserves6.33%
99th
Texas ratio4.0%
38th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of HookerBank Hooker, OK65 out of 100, Moderate$91.2M16.3%2.96%vs
First State BankBank Watonga, OK82 out of 100, Strong$89.8M13.2%1.28%vs
Community State BankBank Hennessey, OK41 out of 100, Below average$89.7M7.5%2.85%vs
The State Exchange BankBank Lamont, OK42 out of 100, Below average$89.6M10.7%6.88%vs
Bank of EufaulaBank Eufaula, OK68 out of 100, Moderate$87.1M12.1%0.46%vs
Southwest Bank of WeatherfordBank Weatherford, OK68 out of 100, Moderate$86.0M13.5%2.47%vs

Deposit insurance

Is my money safe at American Exchange Bank, Lindsay, Oklahoma?

Yes. American Exchange Bank, Lindsay, Oklahoma is an FDIC-insured institution (FDIC certificate #2328). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.2% of deposits ($19.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.84%, 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 Exchange Bank, Lindsay, Oklahoma lists 1 office in 1 city. Most locations:

  • Lindsay, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
American Exchange Bank, Lindsay, Oklahoma
Type
State-chartered bank
FDIC certificate #
2328
RSSD ID
826451
Primary regulator
FDIC
Holding company
Griffith Family Finl Holdings L L C
Established
January 1, 1924
Headquarters
402 S Main St, Lindsay, OK 73052
Employees
15

Quick answers

American Exchange Bank, Lindsay, Oklahoma: common questions

Is American Exchange Bank, Lindsay, Oklahoma FDIC insured?

Yes. American Exchange Bank, Lindsay, Oklahoma is an FDIC-insured institution (FDIC certificate #2328). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Exchange Bank, Lindsay, Oklahoma's TellerScore?

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

Has American Exchange Bank, Lindsay, Oklahoma ever failed?

There is no failure record for FDIC certificate #2328 in the FDIC failed bank list.

How many branches does American Exchange Bank, Lindsay, Oklahoma have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lindsay

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
McClain BankBank Purcell, OK76 out of 100, Strong$294.0M9.5%0.28%vs
The First National Bank in MarlowBank Marlow, OK73 out of 100, Strong$71.8M8.2%0.00%vs
Farmers and Merchants BankBank Maysville, OK71 out of 100, Strong$22.0M10.9%1.61%vs