American Exchange Bank, Lindsay, Oklahoma: how it compares with its peers
Against 57 OK banks with half to twice its assets, American Exchange Bank, Lindsay, Oklahoma's strongest measure in Q2 2026 is efficiency ratio (46.24% vs. a 60.76% peer median). Its weakest relative measure is net interest margin (3.96% vs. 4.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.52% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 4.38% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.24% | 60.76% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.6M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.81% | 69.19% | Context |
What it means for lending operations
Its efficiency ratio of 46.24% is better than the 60.76% 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
- First State Bank Valliant, OK · $100M
- The First National Bank of Hooker Hooker, OK · $91M
- American Exchange Bank Henryetta, OK · $104M
- First State Bank Watonga, OK · $90M
- Community State Bank Hennessey, OK · $90M
- The State Exchange Bank Lamont, OK · $90M
Questions about American Exchange Bank, Lindsay, Oklahoma
How big is American Exchange Bank, Lindsay, Oklahoma?
American Exchange Bank, Lindsay, Oklahoma, established in 1924, is headquartered in Lindsay, OK. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is American Exchange Bank, Lindsay, Oklahoma's return on assets?
2.12% annualized in Q2 2026, against a 1.52% median for 57 OK banks with half to twice its assets, ahead of 81% of them.
What is American Exchange Bank, Lindsay, Oklahoma's efficiency ratio?
46.24% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 60.76%, and lower is better.
Is American Exchange Bank, Lindsay, Oklahoma growing its loans?
Net loans shrank 8.2% over the year to Q2 2026, while deposits grew 2.5%.
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.