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Ameristate Bank

Atoka, OK · Cert 15510 · Atoka State Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$477.7MAssets
$342.8MLoans
$426.4MDeposits
$46.2MEquity
Loan mix
84%RE $273.8M11%C&I $34.2M5%Consumer $16.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $356.7M16%Noninterest $69.7MQ2 2025Q2 2026

NIM

6.41%Q2 ’246.48%Q2 ’256.32%Q2 ’26+6%+3%

Non-interest income vs. expense

3.82%Q2 ’243.98%Q2 ’253.68%Q2 ’26+48%-17%

Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 1.3% share · #12 of 17 inst. · $0.1B of $4.1B

70.9% Atoka
1.3% Grayson
12.3% Choctaw
15.8% Pushmataha

Executive Summary

  • Earnings: ROA of 1.45%, up 61 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 1.67% of loans (-54 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.55%, up 9 bps from a year ago.
  • Funding: loans stand at 80.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.45%+61 bps YoY

Net Interest Margin (quarter, annualized)

4.95%+13 bps YoY

Efficiency Ratio (quarter, annualized)

65.22%-1,114 bps YoY

Tier 1 Leverage Ratio

9.55%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%1.34%0.80%0.70%1.45%+61 bps
Return on Equity8.70%13.80%8.32%7.27%14.88%+618 bps
Net Interest Margin4.83%5.01%4.58%4.75%4.95%+13 bps
Efficiency Ratio76.36%69.87%78.89%81.97%65.22%-1,114 bps
Non-Interest Burden3.58%3.19%3.54%3.81%2.98%-60 bps
Growth
Asset Growth (YoY)-0.71%6.84%6.05%3.17%6.92%+764 bps
Loan Growth (YoY)5.52%6.27%7.52%7.76%5.91%+39 bps
Deposit Growth (YoY)-0.22%8.26%7.52%3.14%7.17%+739 bps
Asset Quality
Nonperforming Loans / Loans2.21%3.90%1.83%1.06%1.67%-54 bps
Net Charge-Offs / Loans0.01%0.03%0.00%-0.03%0.00%-1 bps
Allowance / Loans1.35%1.34%1.30%1.32%1.35%0 bps
Allowance Coverage of NPLs0.6x0.3x0.7x1.2x0.8x+0.2x
Capital
Tier 1 Leverage Ratio9.45%9.85%9.30%9.71%9.55%+9 bps
Total Risk-Based Capital13.76%13.82%9.30%9.71%9.55%-421 bps
Equity / Assets9.67%9.74%9.55%9.83%9.66%0 bps
Liquidity & Funding
Loans / Deposits81.35%79.90%80.01%82.29%80.40%-96 bps
Liquid Assets / Assets9.33%12.83%12.39%11.03%11.29%+196 bps
CRE / Total Capitaln/a331%347%341%n/an/a