Ameristate Bank
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Data as of · sourced from FFIEC call reports. How we update
Ameristate Bank is an FDIC-insured commercial bank headquartered in Atoka, OK, established in 1906 (FDIC certificate 15510), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $477.7M, up 6.9% from Q2 2025, the 56th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15510
- Headquarters
- Atoka, OK
- Established
- 1906
- Total assets, Q2 2026
- $477.7M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 9.55%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103102452
- Holding company
- ATOKA STATE BANCORPORATION, INC.
- Asset rank in state
- 56th of 169 in Oklahoma
Ameristate Bank earns an unusually wide margin on its lending. The Atoka, Oklahoma bank had $478 million in assets at June 30, 2026, up 6.9% from a year earlier. It keeps 5.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 12.0% of the capital and reserves that would absorb them, 4.6 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.2 million, 82% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.63% of loans from 2.05%. Where it has less room is capital: it funds 9.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Ameristate Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 12.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ameristate Bank is the 56th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $477.7M, loans rose 1.1% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.9% of total loans, followed by owner-occupied commercial real estate loans at 17.3%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Atoka 2 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ameristate Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 131 S Pennsylvania Ave, Atoka, OK 74525
- County
- Atoka
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 6, 1906
- Former names
- The Atoka State Bank (1972-2001)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $426.4M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- -$25K
- Average total assets
- $470.4M
- Average total loans
- $342.0M
- Average interest-bearing deposits
- $309.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1937
- FDIC Cert
- 15510
- Fed RSSD
- 508355
- Website
- www.ameristatebank.com →
- Parent Holding Company
- ATOKA STATE BANCORPORATION, INC. (RSSD 1056983)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Ameristate Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ameristate Bank's total assets ran between $401.8M (Q3 2023) and $477.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$477.7M total assets against $446.8M; $431.6M total liabilities against $403.6M.
$338.2M net loans and leases against $319.3M; $426.4M total deposits against $397.9M.
$36.3M securities against $37.3M; $65.2M cash and balances due against $58.1M.
$7.4M total interest income against $7.2M; $1.6M total interest expense against $1.9M.
$5.8M net interest income against $5.3M.
$821K total noninterest income against $446K; $4.3M total noninterest expense against $4.4M.
$136K provision for credit losses against $176K.
$2.2M net income against $1.2M.
1.85% return on assets against 1.07%; 5.34% net interest margin against 5.16%.
9.55% tier 1 leverage ratio against 9.45%.
Inside the full Ameristate Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmeristate Bank rankings
Its closest position to the top of a national ranking is 475 of 3,640, for Texas Ratio; its furthest is 2,366 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q1 2026) to 1.85% (Q2 2026) and its net interest margin ran from 4.69% (Q3 2024) to 5.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.55% | 1.85% | 1.67% | 12.03% | 5.34% |
| Q1 2026 | 9.71% | 0.92% | 1.06% | 8.43% | 4.87% |
| Q4 2025 | 9.30% | 1.02% | 1.83% | 11.39% | 4.96% |
| Q3 2025 | 9.85% | 1.77% | 1.69% | 10.11% | 5.13% |
| Q2 2025 | 9.45% | 1.07% | 2.80% | 21.07% | 5.16% |
| Q1 2025 | 9.47% | 0.92% | 1.58% | 16.69% | 4.98% |
| Q4 2024 | 9.49% | 1.19% | 1.77% | 15.90% | 4.99% |
| Q3 2024 | 9.34% | 1.12% | 2.16% | 12.84% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ameristate Bank (main office) | Atoka , OK | 74525 | $202.0M |
| Hugo Branch | Hugo , OK | 74743 | $50.9M |
| Antlers Branch | Antlers , OK | 74523 | $43.8M |
| Sherman Branch | Sherman , TX | 75090 | $43.7M |
| Tishomingo Branch | Tishomingo , OK | 73460 | $42.6M |
| Atoka Branch | Atoka , OK | 74525 | $35.8M |
| Pottsboro Branch | Pottsboro , TX | 75076 | $7.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 1987 | Structure Change | Acquired First City Bank of Atoka Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 12, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 65 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 104 applications, 76 loans originated, $12.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.6M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ameristate Bank
What are Ameristate Bank's total assets?
As of the Q2 2026 filing, Ameristate Bank reported total assets of $477.7 million in its FFIEC call report.
Where is Ameristate Bank headquartered?
It is headquartered in Atoka, OK, United States.
When was Ameristate Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Ameristate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ameristate Bank?
Ameristate Bank's primary federal regulator is the Federal Reserve.
How many branches does Ameristate Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ameristate Bank's Texas Ratio?
Its Texas Ratio is 12.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ameristate Bank previously called?
The charter now named Ameristate Bank has also operated as The Atoka State Bank (1972-2001), per FDIC structure-change records.
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