Ameristate Bank
Atoka, OK · Cert 15510 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 91% of banks under $1B in assets operating regionally (rank 8 of 94).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating regionally (rank 86 of 94).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.06%
Rank 54 of 94
Net Interest Margin
4.76%
Rank 8 of 94
Efficiency Ratio
73.02%
Rank 71 of 94
Equity / Assets
9.66%
Rank 61 of 94
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 26% 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% | 1.46% | Beats 43% | 54 / 94 | |
| Return on Equity | 10.92% | 7.85% | 11.84% | 14.03% | Beats 41% | 55 / 94 | |
| Net Interest Margin | 4.76% | 3.42% | 3.81% | 4.18% | Beats 91% | 8 / 94 | |
| Efficiency Ratio | 73.02% | 55.99% | 62.41% | 73.02% | Beats 26% | 71 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.19% | 0.47% | 1.14% | Beats 13% | 83 / 94 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 46% | 52 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 9.55% | 10.28% | 11.95% | 15.07% | Beats 9% | 86 / 94 | |
| Total Risk-Based Capital Ratio | 9.55% | 10.31% | 12.59% | 15.88% | Beats 9% | 86 / 94 | |
| Equity / Assets | 9.66% | 8.98% | 10.21% | 11.41% | Beats 35% | 61 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 80.40% | 72.62% | 84.44% | 94.55% | 41st pctl | 55 / 94 | |
| Loans / Assets | 71.76% | 62.50% | 72.84% | 78.99% | 48th pctl | 49 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |