Ameristate Bank
Atoka, Oklahoma · FDIC Cert #15510
This is the FDIC profile for Ameristate Bank, an FDIC-insured bank (Certificate #15510) with $450M in total assets and $399M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Atoka, Oklahoma, the bank maintains a Tier 1 capital ratio of 9.39% (Well-Capitalized) and a nonperforming loan ratio of 2.00%. BankHealthData assigns a composite Health Grade of B (66/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Ameristate Bank (FDIC cert 15510) is a community bank — $450M in total assets, $399M in deposits, serving the Atoka, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.39% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.00% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 25.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.39% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Ameristate Bank carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Ameristate Bank
- Total Assets
- $450M
- Total Deposits
- $399M
- Tier 1 Capital Ratio
- 9.39%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.00%
- Liquidity Ratio
- 25.56%
- Return on Assets
- 1.39%
- Headquarters
- Atoka, Oklahoma
- FDIC Certificate
- #15510
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Ameristate Bank files quarterly Call Reports with the FDIC under Certificate #15510. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Ameristate Bank holds a Tier 1 capital ratio of 9.39%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Ameristate Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Ameristate Bank shows strong financial health indicators. With $450M in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Ameristate Bank Compares
Ameristate Bank’s Health Score of 66 is 11 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 9.39% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 2.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.39% is in line with or above the national ROA benchmark of ~1.1%. Among 1504 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Ameristate Bank is 14 points below the portfolio average of 80.
Frequently Asked Questions
Ameristate Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.39%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Ameristate Bank's Tier 1 capital ratio of 9.39% and nonperforming loan ratio of 2.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Ameristate Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15510). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Ameristate Bank holds $450M in total assets and $399M in total deposits. It is headquartered in Atoka, Oklahoma (FDIC Certificate #15510).
Ameristate Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #15510 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Ameristate Bank has a Tier 1 capital ratio of 9.39%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.00%, and the return on assets is 1.39%.
Yes. Ameristate Bank is FDIC-insured (Certificate #15510). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Ameristate Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.