Ameristate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ameristate Bank of Atoka, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.85% | 1.34% | +0.51% | 80th top |
| ROAE | 18.95% | 13.32% | +5.63% | 83rd top |
| Net Interest Margin | 5.34% | 3.93% | +1.41% | 96th top |
| Efficiency Ratio | 65.11% | 61.13% | +3.98% | 39th below |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 71st above |
| Yield on Earning Assets | 6.83% | 5.67% | +1.16% | 93rd top |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 4.99% | 3.32% | +1.67% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 64th above |
| NPA / Total Assets | 0.94% | 0.70% | +0.24% | 22nd bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 652.62% | 1546.57% | -893.95% | 76th top |
| Texas Ratio | 19.23% | 7.33% | +11.90% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.55% | 12.14% | -2.59% | 23rd bottom |
| Equity / Assets | 9.66% | 11.37% | -1.71% | 39th below |
| TCE / Tangible Assets | 9.40% | 11.08% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.40% | 80.66% | -0.26% | 50th above |
| Core Deposit Ratio | 86.74% | 86.85% | -0.11% | 37th below |
| Wholesale Funding Ratio | 0.33% | 5.04% | -4.71% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.92% | 6.84% | +0.08% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.91% | 7.92% | -2.01% | 54th above |
| Deposit Growth (Y/Y) | 7.17% | 6.29% | +0.88% | 71st above |
See Ameristate Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ameristate Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ameristate Bank profile, how to read a UBPR, or how this data updates.