AMERISTATE BANK

ATOKA, OK | Small | Est. Aug. 6, 1906, midnight | FDIC #15510 | RSSD #508355 | FED
Latest Report: 2025-12-31

AMERISTATE BANK is asn small FDIC-insured commercial bank headquartered in ATOKA, OK, established in Aug. 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $467M and total deposits of $419M. Profitability stands at 1.02% ROA and 10.55% ROE, with a net interest margin of 4.94%. The bank's CET1 capital ratio is 8.99%. Asset quality metrics show a non-performing loan ratio of 0.70% and a Texas Ratio of 6.79%. FDIC Certificate #15510.

Assets

$467M

Deposits

$419M

Loans

$335M

Equity

$45M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 10.55%
Net Interest Margin (NIM) 4.94%
Yield on Assets 6.74%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.70%
Net Charge-Off Ratio 0.23%
Texas Ratio 6.79%
NPA Ratio 0.71%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 8.99%
Tier 1 Capital 8.99%
Total Capital Ratio 9.44%
Leverage Ratio 9.30%
Loan-to-Deposit 80.01%

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