Ameristate Bank
Atoka, OK · Cert 15510 · Peer group: banks under $1B in assets operating regionally (n=100) · Atoka State Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
$477.7MAssets
$342.8MLoans
$426.4MDeposits
$46.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating regionally (rank 7 of 100).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating regionally (rank 91 of 100).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.06%
Rank 58 of 100
Net Interest Margin
4.76%
Rank 7 of 100
Efficiency Ratio
73.02%
Rank 77 of 100
Equity / Assets
9.66%
Rank 63 of 100
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 24% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.82% | 1.19% | 1.50% | Beats 42% | 58 / 100 | |
| Return on Equity | 10.92% | 7.96% | 11.91% | 14.16% | Beats 40% | 60 / 100 | |
| Net Interest Margin | 4.76% | 3.43% | 3.80% | 4.17% | Beats 93% | 7 / 100 | |
| Efficiency Ratio | 73.02% | 55.88% | 62.41% | 72.90% | Beats 24% | 77 / 100 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.19% | 0.47% | 1.06% | Beats 13% | 88 / 100 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.06% | Beats 47% | 54 / 100 | |
| Capital |
| Tier 1 Capital Ratio | 9.55% | 10.31% | 12.02% | 14.75% | Beats 9% | 91 / 100 | |
| Total Risk-Based Capital Ratio | 9.55% | 10.50% | 12.71% | 15.64% | Beats 9% | 91 / 100 | |
| Equity / Assets | 9.66% | 8.89% | 10.14% | 11.36% | Beats 37% | 63 / 100 | |
| Liquidity & Funding |
| Loans / Deposits | 80.40% | 73.97% | 83.99% | 92.79% | 42nd pctl | 58 / 100 | |
| Loans / Assets | 71.76% | 62.33% | 70.97% | 78.76% | 52nd pctl | 48 / 100 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |