American Bank of Oklahoma
Collinsville, Oklahoma · FDIC Cert #34606
American Bank of Oklahoma is an FDIC-insured bank (Certificate #34606) with $380M in total assets and $311M in total deposits as of the Q2 2024 Call Report. Headquartered in Collinsville, Oklahoma, the bank maintains a Tier 1 capital ratio of 12.08% (Well-Capitalized) and a nonperforming loan ratio of 3.00%. BankHealthData assigns a composite Health Grade of D (47/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Bank of Oklahoma (FDIC cert 34606) is a community bank — $380M in total assets, $311M in deposits, serving the Collinsville, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.08% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.00% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 10.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -0.02% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. American Bank of Oklahoma carries a composite BankHealth grade of D (47/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Bank of Oklahoma
- Total Assets
- $380M
- Total Deposits
- $311M
- Tier 1 Capital Ratio
- 12.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.00%
- Liquidity Ratio
- 10.74%
- Return on Assets
- -0.02%
- Headquarters
- Collinsville, Oklahoma
- FDIC Certificate
- #34606
- Health Grade
- D (47/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Bank of Oklahoma holds a Tier 1 capital ratio of 12.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Bank of Oklahoma has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Bank of Oklahoma shows some financial weakness with a Health Score of 47/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Bank of Oklahoma Compares
American Bank of Oklahoma’s Health Score of 47 is 17 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 12.08% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 3.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.02% is below the national ROA benchmark of ~1.1%. Among 1553 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, American Bank of Oklahoma is 23 points below the portfolio average of 70.
Frequently Asked Questions
American Bank of Oklahoma has a Bank Health Score of D (47/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 12.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Bank of Oklahoma's Tier 1 capital ratio of 12.08% and nonperforming loan ratio of 3.00% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Bank of Oklahoma is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34606). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Bank of Oklahoma holds $380M in total assets and $311M in total deposits. It is headquartered in Collinsville, Oklahoma (FDIC Certificate #34606).
American Bank of Oklahoma has a Tier 1 capital ratio of 12.08%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.00%, and the return on assets is -0.02%.
Yes. American Bank of Oklahoma is FDIC-insured (Certificate #34606). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Bank of Oklahoma shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.