American Nation Bank: how it compares with its peers
Against 55 OK banks with half to twice its assets, American Nation Bank's strongest measure in Q2 2026 is return on assets (1.54% vs. a 1.37% peer median). Its weakest relative measure is net interest margin (3.89% vs. 4.18%).
| Measure | American Nation Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.37% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 4.18% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.85% | 61.95% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.7M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.76% | 79.31% | Context |
What it means for lending operations
Its efficiency ratio of 62.85% is above the 61.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank and Trust Company of Ardmore Ardmore, OK · $687M
- Legacy Bank Hinton, OK · $686M
- FirstBank Antlers, OK · $684M
- Grand Bank Tulsa, OK · $713M
- Prism Bank Guthrie, OK · $721M
- First Bank of Owasso Owasso, OK · $639M
Questions about American Nation Bank
How big is American Nation Bank?
American Nation Bank, established in 1983, is headquartered in Ardmore, OK. It reported $691M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is American Nation Bank's return on assets?
1.54% annualized in Q2 2026, against a 1.37% median for 55 OK banks with half to twice its assets, ahead of 53% of them.
What is American Nation Bank's efficiency ratio?
62.85% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 61.95%, and lower is better.
Is American Nation Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits shrank 0.4%.
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.