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Ameristate Bank
Atoka, OK · FDIC Certificate #15510 · Chartered 08/0
Total assets
$477.72M
Total deposits
$426.40M
Total equity
$46.16M
Net loans
$338.21M
Branches (offices)
7
Net income (YTD)
$3.21M
Rank: #1,845 of 4,213 U.S. banks by assets · #56 of 168 in Oklahoma. Assets changed 6.9% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 14.15% |
| Net interest margin (YTD) | 5.22% |
| Equity to assets | 9.66% |
| Tier 1 leverage ratio | 9.55% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 1.67% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 82.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $280.16M | 82.8% | |
| Commercial & industrial | $33.82M | 10.0% | |
| Consumer / individual | $16.29M | 4.8% | |
| Construction & development | $43.21M | 12.8% | |
| Agricultural | $8.07M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $436.18M | $393.76M | $2.14M | $34.86M |
| Jun 2023 | $403.64M | $352.69M | $2.37M | $35.80M |
| Jun 2024 | $449.98M | $398.75M | $2.99M | $41.15M |
| Jun 2025 | $446.78M | $397.88M | $2.21M | $43.19M |
| Jun 2026 | $477.72M | $426.40M | $3.21M | $46.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $375.16M | 5 |
| Texas | $51.24M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $426.40M.
Similar-sized banks
First National Bank ($477.82M) · Mechanics & Farmers Bank ($475.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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