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.
FDIC Call Report plate
Cert 15510 · OK D · 46/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-D D (46/100)
- BOTTOM-DECILE #4176/4307
- PHOTO-FINISH Bank of Yates City · IL
- TIER1-ADEQ 9.3% Tier 1
- TEXAS-HEALTHY 33.7% Texas
- ROA-PAR 1.17% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Oklahoma: Bank of Yates City, IL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Ameristate Bank
Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.
What Ameristate Bank's Call Report plate shows
Ameristate Bank (FDIC Cert #15510) carries a PlainBankData health grade of D at 46/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,176 of 4,307. Tier 1 capital prints at 9.30%, missing the 10% well-capitalized line. The Texas Ratio is 33.74%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $467M, 1,889th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Yates City (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Ameristate Bank
8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)
Ameristate Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Ameristate Bank remains an active FDIC-insured reporter.
- FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
- THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
- THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
46 3rd percentile higher than 3% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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 ratios for Ameristate Bank
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
Earnings posture at Ameristate Bank
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
12.23%
Efficiency Ratio
76.24%
Income & expense at Ameristate Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($467M here), outside Oklahoma so the neighborhood is not state containment.
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.
Ameristate Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |