Total Assets
$467M
Total balance-sheet footings
FDIC Cert #15510 · Atoka, Oklahoma · Est. 1906
Ameristate Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $467M
- Total assets
- D
- Health grade · Weak
- 1.17%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Ameristate Bank earns a PlainBankData health grade of D (46/100), with 9.30% Tier 1 capital, profitable at 1.17% ROA, 76% efficiency ratio.
- #1,889
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 9.30%
- Tier 1 ratio - below the 10% well-capitalized line
- 55th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Ameristate Bank's 46/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Ameristate Bank's composite health score
Tier 1 Capital Ratio (9.30%) 18/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (33.74%) 4/20
Efficiency Ratio (76.24%) 4/15
46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$419M
Customer-funded liabilities
Net Loans
$331M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ameristate Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ameristate Bank's score of 46/100 falls in the highlighted band.
Ameristate Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ameristate Bank's $467M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.30% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.30%
Texas Ratio
33.74%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
12.23%
Efficiency Ratio
76.24%
What the numbers say about Ameristate Bank
Ameristate Bank is an FDIC-insured institution (Certificate #15510) headquartered in Atoka, Oklahoma, established in 1906. It holds $467M in total assets - 1,889th of 4,313 FDIC-insured banks, $419M in customer deposits, and $331M in net loans. Its capital position: a Tier 1 ratio of 9.30%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 33.74% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (46 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Ameristate Bank sits 55th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ameristate Bank reports a Texas Ratio of 33.74% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
33.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Ameristate Bank
Ameristate Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.30% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Ameristate Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ameristate Bank (FDIC Cert #15510) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is Ameristate Bank's health grade?▼
Ameristate Bank receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Ameristate Bank?▼
Ameristate Bank holds $467M in total assets and $419M in deposits, ranking 1,889th of 4,313 FDIC-insured banks by asset size. It is headquartered in Atoka, Oklahoma.
Is my money safe at Ameristate Bank?▼
Yes, deposits at Ameristate Bank (Certificate #15510) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ameristate Bank's Tier 1 Capital Ratio?▼
Ameristate Bank has a Tier 1 Capital Ratio of 9.30%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Ameristate Bank?▼
Ameristate Bank has a Texas Ratio of 33.74%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Ameristate Bank?▼
Ameristate Bank has an Efficiency Ratio of 76.24%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ameristate Bank's profile as a depositor or analyst.
- Ameristate Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ameristate Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.