American Bank and Trust Company: how it compares with its peers
Against 70 OK banks with half to twice its assets, American Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.4M peer median). Its weakest relative measure is return on assets (1.42% vs. 1.49%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.49% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.24% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.84% | 61.19% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.4M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.55% | 76.98% | Context |
What it means for lending operations
Its efficiency ratio of 54.84% is better than the 61.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank and Trust Company of Ardmore Ardmore, OK · $319M
- High Plains Bank Okeene, OK · $330M
- First Bethany Bank & Trust Bethany, OK · $317M
- Bank of Commerce Duncan, OK · $334M
- Patrons Bank, National Association Okmulgee, OK · $314M
- The First Security Bank Beaver, OK · $335M
Questions about American Bank and Trust Company
How big is American Bank and Trust Company?
American Bank and Trust Company, established in 1971, is headquartered in Tulsa, OK. It reported $324M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is American Bank and Trust Company's return on assets?
1.42% annualized in Q2 2026, against a 1.49% median for 70 OK banks with half to twice its assets, ahead of 47% of them.
What is American Bank and Trust Company's efficiency ratio?
54.84% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is American Bank and Trust Company growing its loans?
Net loans shrank 4.4% over the year to Q2 2026, while deposits shrank 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.