Side-by-side · Q2 2026 data
American Exchange Bank vs Patrons Bank, National Association
Metric by metric
| Measure | American Exchange Bank | Patrons Bank, National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 85 (stronger) | 58 |
| Loan quality | 56 | 73 (stronger) |
| Earnings | 99 (stronger) | 63 |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 72nd | 40th |
| Total assets | $103.7M | $314.5M |
| Deposits / shares | $89.0M | $275.4M |
| Capital ratio | 13.54% (stronger) | 10.77% |
| Problem loans | 1.32% | 0.80% (stronger) |
| Net charge-offs | -0.04% | -0.31% (stronger) |
| Return on assets | 1.99% (stronger) | 1.08% |
| Loans ÷ deposits | 84.8% | 68.2% (stronger) |
| Uninsured deposits | 22.6% (stronger) | 27.2% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.7% | 8.3% |
American Exchange Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 4 and Patrons Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Henryetta, OK