American Exchange Bank, Lindsay, Oklahoma

402 South Main Street
Lindsay, OK 73052

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2328
Date Established 1924
Assets $0.07 billion
Loans $0.02 billion
Deposits $0.06 billion
Capital $0.01 billion

American Exchange Bank, Lindsay, Oklahoma is an FDIC insured institution located in Lindsay, OK. It was founded in 1924 and has approximately $0.07 billion in assets. Customers can open an account at one of its 2 branches.

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

Bank Loan Profile?

The top three loan types in American Exchange Bank, Lindsay, Oklahoma’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Oklahoma, American Exchange Bank, Lindsay, Oklahoma has a significantly higher percent of Consumer Auto Loans, Small Business Loans, Commercial and Industrial 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.51
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 8.39
Small Business Loans 13.01
Construction and Development Loans 0.38
Commercial Real Estate 13.01
Commercial and Industrial Loans 30.03
Farm Loans 12.49

Deposit Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Exchange Bank, Lindsay, Oklahoma, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Exchange Bank, Lindsay, Oklahoma

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to American Exchange Bank, Lindsay, Oklahoma
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

American Exchange Bank, Lindsay, Oklahoma branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American Exchange Bank, Lindsay, Oklahoma Locations

Financial Details

American Exchange Bank, Lindsay, Oklahoma Ratio Analysis

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

Texas Ratio
American Exchange Bank, Lindsay, Oklahoma U.S. Bank Average
1% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2018, American Exchange Bank, Lindsay, Oklahoma had $21,000 in non-current loans and $56,000 in owned real estate. To cover these potential losses it had $6,853,000 in equity and $878,000 in loans loss reserves. That gives it a Texas Ratio of 1%.

Return on Equity
American Exchange Bank, Lindsay, Oklahoma U.S. Bank Average
14.41% 9.35%

American Exchange Bank, Lindsay, Oklahoma has a Return on Equity of 14.41% versus the BestCashCow average of 9.35%. 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.

Capitalization
American Exchange Bank, Lindsay, Oklahoma U.S. Bank Average
10.36% 12.01%

American Exchange Bank, Lindsay, Oklahoma has a Capitalization of 10.36% versus the BestCashCow average of 12.01. 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 Exchange Bank, Lindsay, Oklahoma Balance Sheet Analysis

As of March 31, 2018, American Exchange Bank, Lindsay, Oklahoma had assets of $66,131,000, loans of $18,230,000, and deposits of $58,034,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 80.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About American Exchange Bank, Lindsay, Oklahoma

Branches and Savings

Is American Exchange Bank, Lindsay, Oklahoma FDIC insured?

Yes. It is covered under FDIC Certificate #2328.

Why does American Exchange Bank, Lindsay, Oklahoma pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Exchange Bank, Lindsay, Oklahoma CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Exchange Bank, Lindsay, Oklahoma a commercial bank?

Yes

Where are American Exchange Bank, Lindsay, Oklahoma locations?

See branch locations nearby.

Is American Exchange Bank, Lindsay, Oklahoma open on Saturdays?

Is American Exchange Bank, Lindsay, Oklahoma open on Sundays?

What time does American Exchange Bank, Lindsay, Oklahoma open?

What time does American Exchange Bank, Lindsay, Oklahoma close?

Are American Exchange Bank, Lindsay, Oklahoma ATMs Open 24/7?

Do American Exchange Bank, Lindsay, Oklahoma ATMs accept cash deposits?

Can American Exchange Bank, Lindsay, Oklahoma customers use other ATMs?

Do American Exchange Bank, Lindsay, Oklahoma branches have notaries?

Will American Exchange Bank, Lindsay, Oklahoma notarize my document?

What address for American Exchange Bank, Lindsay, Oklahoma should I put for incoming ACH transfers?

Will the American Exchange Bank, Lindsay, Oklahoma branch print checks?

Do American Exchange Bank, Lindsay, Oklahoma checks expire?

Does American Exchange Bank, Lindsay, Oklahoma require US citizenship to open account?

Can American Exchange Bank, Lindsay, Oklahoma close my account?

Does American Exchange Bank, Lindsay, Oklahoma Report to credit bureaus?

Does American Exchange Bank, Lindsay, Oklahoma Use Equifax?

What is American Exchange Bank, Lindsay, Oklahoma's ACH Routing Number?

What is American Exchange Bank, Lindsay, Oklahoma's SWIFT code?

Products

Does American Exchange Bank, Lindsay, Oklahoma offer mortgages?

Compare mortgage rates here.

Does American Exchange Bank, Lindsay, Oklahoma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Exchange Bank, Lindsay, Oklahoma offer personal loans?

Compare personal loan rates here.

Does American Exchange Bank, Lindsay, Oklahoma offer student loans?

Will American Exchange Bank, Lindsay, Oklahoma cash a check?

Will American Exchange Bank, Lindsay, Oklahoma redeem a savings bond?

Does American Exchange Bank, Lindsay, Oklahoma cash savings bonds?

Will American Exchange Bank, Lindsay, Oklahoma cash money orders?

Can American Exchange Bank, Lindsay, Oklahoma issue a money order?

Does American Exchange Bank, Lindsay, Oklahoma do currency exchange?

Background on The Bank

Who owns American Exchange Bank, Lindsay, Oklahoma?

How long has American Exchange Bank, Lindsay, Oklahoma been around?

Can American Exchange Bank, Lindsay, Oklahoma transfer to other banks?

Does American Exchange Bank, Lindsay, Oklahoma have quick pay?

Does American Exchange Bank, Lindsay, Oklahoma accept rolled coins?

Will American Exchange Bank, Lindsay, Oklahoma accept loose change?

Where is American Exchange Bank, Lindsay, Oklahoma headquarters?

Customer Reviews for American Exchange Bank, Lindsay, Oklahoma

There are currently no comments for American Exchange Bank, Lindsay, Oklahoma. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →