Ameristate Bank

113 South Pennsylvania
Atoka, OK 74525


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15510
Date Established 1906
Assets $0.28 billion
Loans $0.22 billion
Deposits $0.25 billion
Capital $0.02 billion

Ameristate Bank is an FDIC insured institution located in Atoka, OK. It was founded in 1906 and has approximately $0.28 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Ameristate Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Ameristate Bank, but see these great savings and CD rates:

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Loan Rates - July 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ameristate Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
NMLS ID: 2890
License#: MC-3098
3.750% 3.750% 0.00 $2 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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Financial Details

Ameristate Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ameristate Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Ameristate Bank U.S. Bank Average
20.35% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Ameristate Bank had $5,382,000 in non-current loans and $135,000 in owned real estate. To cover these potential losses it had $23,611,000 in equity and $3,505,000 in loans loss reserves. That gives it a Texas Ratio of 20.35%.

Return on Equity
Ameristate Bank U.S. Bank Average
10.75% 9.47%

Ameristate Bank has a Return on Equity of 10.75% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Ameristate Bank U.S. Bank Average
8.51% 12.49%

Ameristate Bank has a Capitalization of 8.51% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Ameristate Bank Balance Sheet Analysis

As of March 31, 2019, Ameristate Bank had assets of $277,591,000, loans of $215,534,000, and deposits of $249,006,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.25 billion
Total deposits $0.25 billion
      Interest-bearing deposits $0.21 billion
      Deposits held in domestic offices $0.25 billion
      % insured (estimated) 82.40%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Ameristate Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks, Ameristate Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.07
Credit Card Loans 0.00
Consumer Auto Loans 4.87
Small Business Loans 0.00
Construction and Development Loans 10.95
Commercial Real Estate 28.67
Commercial and Industrial Loans 8.98
Farm Loans 3.60

Frequently Asked Questions About Ameristate Bank

Branches and Savings

Is Ameristate Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15510.

Why does Ameristate Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ameristate Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ameristate Bank a commercial bank?


Where are Ameristate Bank locations?

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Is Ameristate Bank open on Saturdays?

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Are Ameristate Bank ATMs Open 24/7?

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Will Ameristate Bank notarize my document?

What address for Ameristate Bank should I put for incoming ACH transfers?

Will the Ameristate Bank branch print checks?

Do Ameristate Bank checks expire?

Does Ameristate Bank require US citizenship to open account?

Can Ameristate Bank close my account?

Does Ameristate Bank Report to credit bureaus?

Does Ameristate Bank Use Equifax?

What is Ameristate Bank's ACH Routing Number?

What is Ameristate Bank's SWIFT code?


Does Ameristate Bank offer mortgages?

Compare mortgage rates here.

Does Ameristate Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ameristate Bank offer personal loans?

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Does Ameristate Bank offer student loans?

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Background on The Bank

Who owns Ameristate Bank?

How long has Ameristate Bank been around?

Can Ameristate Bank transfer to other banks?

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Will Ameristate Bank accept loose change?

Where is Ameristate Bank headquarters?

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