Total Assets
$323M
Total balance-sheet footings
FDIC Cert #20537 · Tulsa, Oklahoma · Est. 1971
American Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at American Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $323M
- Total assets
- B
- Health grade · Good
- 1.06%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
American Bank and Trust Company earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.94% Tier 1, profitable at 1.06% ROA, efficient (51% cost ratio).
- #2,381
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 13.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How American Bank and Trust Company's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Bank and Trust Company's composite health score
Tier 1 Capital Ratio (13.94%) 35/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (15.57%) 10/20
Efficiency Ratio (50.83%) 12/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$269M
Customer-funded liabilities
Net Loans
$197M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank and Trust Company's score of 77/100 falls in the highlighted band.
American Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank and Trust Company's $323M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.94%
Texas Ratio
15.57%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
7.25%
Efficiency Ratio
50.83%
What the numbers say about American Bank and Trust Company
American Bank and Trust Company is an FDIC-insured institution (Certificate #20537) headquartered in Tulsa, Oklahoma, established in 1971. It holds $323M in total assets - 2,381st of 4,313 FDIC-insured banks, $269M in customer deposits, and $197M in net loans. On safety, its Tier 1 capital ratio of 13.94% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.57% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, American Bank and Trust Company ranks 76th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$20M
Interest Income
$665K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank and Trust Company reports a Texas Ratio of 15.57% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank and Trust Company (FDIC Cert #20537) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is American Bank and Trust Company's health grade?▼
American Bank and Trust Company receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is American Bank and Trust Company?▼
American Bank and Trust Company holds $323M in total assets and $269M in deposits, ranking 2,381st of 4,313 FDIC-insured banks by asset size. It is headquartered in Tulsa, Oklahoma.
Is my money safe at American Bank and Trust Company?▼
Yes, deposits at American Bank and Trust Company (Certificate #20537) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank and Trust Company's Tier 1 Capital Ratio?▼
American Bank and Trust Company has a Tier 1 Capital Ratio of 13.94%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Bank and Trust Company?▼
American Bank and Trust Company has a Texas Ratio of 15.57%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Bank and Trust Company?▼
American Bank and Trust Company has an Efficiency Ratio of 50.83%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Bank and Trust Company's profile as a depositor or analyst.
- American Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank and Trust Company against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.