American Bank of Oklahoma


200 E Main St
Collinsville, OK 74021
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Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

American Bank of Oklahoma is an FDIC insured institution located in Collinsville, OK. It was founded in 1998 and has approximately $0.38 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 34606
Date Established 1998
Assets $ 382.20 million
Loans $ 270.10 million
Deposits $ 315.07 million
Capital $ 35.68 million

For a more detailed analysis of American Bank of Oklahoma's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 31, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - January 31, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Bank of Oklahoma

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2023

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Note to American Bank of Oklahoma
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Financial Details

American Bank of Oklahoma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Bank of Oklahoma. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Bank of Oklahoma U.S. Bank Average
5.84% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, American Bank of Oklahoma had $1,872,000 in non-current loans and $381,000 in owned real estate. To cover these potential losses it had $35,678,000 in equity and $2,932,000 in loans loss reserves. That gives it a Texas Ratio of 5.84%.

Return on Equity
American Bank of Oklahoma U.S. Bank Average
12.15% 9.98%

American Bank of Oklahoma has a Return on Equity of 12.15% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Bank of Oklahoma U.S. Bank Average
9.33% 10.23%

American Bank of Oklahoma has a Capitalization of 9.33% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Bank of Oklahoma Balance Sheet Analysis

As of June 30, 2022, American Bank of Oklahoma had assets of $382,197,000, loans of $270,101,000, and deposits of $315,074,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 25.99 million
Interest-bearing balances $ 1.21 million
Total securities $ 17.40 million
Federal funds sold and reverse repurchase $ 50.37 million
Net loans and leases $ 270.10 million
Loan loss allowance $ 2.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.38 million
Goodwill and other intangibles $ 0.11 million
All other assets $ 11.23 million
     Total Assets $ 346.52 million
Total deposits $ 315.07 million
      Interest-bearing deposits $ 247.56 million
      Deposits held in domestic offices $ 315.07 million
      % insured (estimated) 76.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 29.88 million
Subordinated debt N.A.
All other liabilities $ 1.57 million
      Total Liabilities $ 346.52 million
      Shareholders’ Equity $ 35.68 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 8.66 million
Total Interest Expense $ 0.86 million
Net interest income $ 7.80 million
Provision for loan and lease losses N.A.
Total non interest income $ 3.35 million
Total non interest expense $ 8.62 million
Pre-tax Net Operating Income $ 2.54 million

Bank Loan Profile?

The top three loan types in American Bank of Oklahoma’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Oklahoma, American Bank of Oklahoma has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.39
Credit Card Loans 0.00
Consumer Auto Loans 3.39
Small Business Loans 20.43
Construction and Development Loans 14.30
Commercial Real Estate 25.89
Commercial and Industrial Loans 25.26
Farm Loans 4.27

Customer Reviews for American Bank of Oklahoma

  • January 12, 2016

    Very good bank all the way around glad I found them

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