Headquartered in Atoka, Oklahoma, Ameristate Bank is a state-chartered bank (fed member) with $477.7M in total assets and $426.4M in deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1906.
Based on its Q2 2026 filing, Ameristate Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 132nd. Its strongest component is funding & liquidity (77/100; 79% loans-to-deposits, 18% uninsured), and its lowest is loan quality (44/100; 1.67%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (44 → 57), mostly because the loan quality component improved by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 53 |
| Q4 2024 | 56 |
| Q1 2025 | 54 |
| Q2 2025 | 44 |
| Q3 2025 | 59 |
| Q4 2025 | 55 |
| Q1 2026 | 61 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.39% |
| Q3 2024 | 9.34% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.47% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.71% |
| Q2 2026 | 9.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.00% |
| Q3 2024 | 2.16% |
| Q4 2024 | 1.77% |
| Q1 2025 | 1.58% |
| Q2 2025 | 2.80% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.30% |
| Q4 2024 | 1.27% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.17% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $477.7M | 9.55% | 1.67% | 1.37% | 79.3% |
| Q1 2026 | 61 | $462.2M | 9.71% | 1.06% | 0.90% | 81.2% |
| Q4 2025 | 55 | $467.3M | 9.30% | 1.83% | 1.17% | 79.0% |
| Q3 2025 | 59 | $458.5M | 9.85% | 1.69% | 1.23% | 78.8% |
| Q2 2025 | 44 | $446.8M | 9.45% | 2.80% | 0.99% | 80.3% |
| Q1 2025 | 54 | $448.0M | 9.47% | 1.58% | 0.91% | 77.7% |
| Q4 2024 | 56 | $440.6M | 9.49% | 1.77% | 1.27% | 78.7% |
| Q3 2024 | 53 | $429.2M | 9.34% | 2.16% | 1.30% | 80.0% |
| Q2 2024 | 56 | $450.0M | 9.39% | 2.00% | 1.39% | 75.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| FNB Community BankBank Midwest City, OK | 52 out of 100, Below average | $480.2M | 10.5% | 2.35% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |
| Local BankBank Hulbert, OK | 66 out of 100, Moderate | $463.1M | 11.4% | 0.52% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
Deposit insurance
Is my money safe at Ameristate Bank?
Yes. Ameristate Bank is an FDIC-insured institution (FDIC certificate #15510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.0% of deposits ($76.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Ameristate Bank lists 7 offices in 6 cities across 2 states. Most locations:
- Atoka, OK (2)
- Antlers, OK (1)
- Hugo, OK (1)
- Pottsboro, TX (1)
- Sherman, TX (1)
- Tishomingo, OK (1)
HMDA 2025
Mortgage lending
In 2025, Ameristate Bank reported 104 home-loan applications under HMDA (LEI 549300NXKD4J4RBJI403): 76 originated ($12,610,000 total), 21 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Ameristate Bank
- Former names
- The Atoka State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 15510
- RSSD ID
- 508355
- Primary regulator
- FED
- Holding company
- Atoka State Bcorp Inc
- Established
- August 6, 1906
- Headquarters
- 131 S Pennsylvania Ave, Atoka, OK 74525
- Website
- www.ameristatebank.com
- Employees
- 111
Quick answers
Ameristate Bank: common questions
Is Ameristate Bank FDIC insured?
Yes. Ameristate Bank is an FDIC-insured institution (FDIC certificate #15510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ameristate Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ameristate Bank ever failed?
There is no failure record for FDIC certificate #15510 in the FDIC failed bank list.
How many branches does Ameristate Bank have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Atoka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| FirstBankBank Antlers, OK | 69 out of 100, Moderate | $684.3M | 10.8% | 0.82% | vs |