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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Atoka, OK · FDIC certificate #15510
AMERISTATE BANK is an FDIC-insured institution based in Atoka, OK (FDIC certificate #15510). In its Q3 2026 Call Report it reported total assets of $474M, total deposits of $423M and net loans of $342M. Its primary federal regulator is FED.
Plain-language readout
AMERISTATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $478M in Q2 2026 and were lowest at $462M in Q1 2026.
Total deposits were highest at $426M in Q2 2026 and lowest at $412M in Q1 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $474M | $423M | $342M | 1.15% | 11.93% | 5.02% |
| Q2 2026 | $478M | $426M | $338M | 1.37% | 14.15% | 5.22% |
| Q1 2026 | $462M | $412M | $335M | 0.90% | 9.26% | 5.05% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $60.5M | $56.3M | +$4.2M | +7.4% |
| Federal funds sold | $4.8M | $1.9M | +$2.9M | +148.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $36.3M | $33.5M | +$2.8M | +8.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $338.2M | $334.8M | +$3.4M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.3M | $14.3M | +$6K | +0.0% |
| Other real estate owned | $3.8M | $2.6M | +$1.2M | +46.2% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.4M | $1.4M | -$3K | -0.2% |
| All other assets | $18.5M | $17.4M | +$1.1M | +6.1% |
| Total assets | $477.7M | $462.2M | +$15.5M | +3.4% |
| Liabilities | ||||
| Total deposits | $426.4M | $412.3M | +$14.1M | +3.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.6M | $1.6M | -$11K | -0.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $2.9M | +$682K | +23.4% |
| Total liabilities | $431.6M | $416.7M | +$14.8M | +3.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $9.0M | $9.0M | $0K | 0.0% |
| Retained earnings | $36.2M | $35.2M | +$933K | +2.6% |
| Accumulated other comprehensive income | -$13K | $205K | -$218K | -106.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $46.2M | $45.4M | +$715K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $9.5M | $6.2M | +$3.3M | +53.3% |
| Adjusted nonperforming assets | $5.9M | $4.1M | +$1.8M | +45.2% |
| Tangible equity plus allowance | $49.4M | $48.5M | +$855K | +1.8% |
| Texas ratio (gross) | 19.23% | 12.77% | +6.46 pts | See points |
| Texas ratio (adjusted) | 12.03% | 8.43% | +3.60 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.03% | 8.43% | +3.60 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.55% | 9.71% | -0.17 pts | See points |
| Construction and land loans to total capital | 87.49% | 89.73% | -2.24 pts | See points |
| Commercial real estate to total capital | 193.88% | 194.89% | -1.01 pts | See points |
| Dividend payout, year to date | 38.54% | 0.00% | +38.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.02% | 0.47% | -0.48 pts | See points |
| Liquidity | ||||
| Core deposits | $369.8M | $365.8M | +$4.0M | +1.1% |
| Non-core funding | $58.1M | $48.0M | +$10.1M | +21.0% |
| Loans to core deposits | 92.69% | 92.74% | -0.05 pts | See points |
| Loans to deposits | 80.40% | 82.29% | -1.89 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.24% | 79.36% | -10.13 pts | See points |
| Loans pledged, share of loans | 26.20% | 26.14% | +0.06 pts | See points |
| Volatile liabilities | $58.1M | $48.0M | +$10.1M | +21.0% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.0M | +$2.3M | +221.3% |
| Earnings before provision, single quarter | $2.3M | $1.0M | +$1.3M | +121.3% |
| Provision for credit losses, year to date | $136K | $0K | +$136K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.54% | 7.24% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 3.92% | 3.41% | +0.51 pts | See points |
| Total interest income to average assets | 6.32% | 6.26% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.76% | 0.78% | -0.02 pts | See points |
| Cost of savings and money market deposits | 0.99% | 0.86% | +0.13 pts | See points |
| Cost of time deposits | 3.38% | 3.65% | -0.27 pts | See points |
| Total interest expense to average assets | 1.38% | 1.53% | -0.15 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $474M | $423M | $342M | 1.15% | 11.93% | 5.02% |
| 2026-06-30 | $478M | $426M | $338M | 1.37% | 14.15% | 5.22% |
| 2026-03-31 | $462M | $412M | $335M | 0.90% | 9.26% | 5.05% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $355.3M | 0.25% | 68 | Continuing · -0.01 pp |
| TX | $42.5M | 0.00% | 436 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.