Ameristate Bank

113 South Pennsylvania
Atoka, OK 74525

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15510
Date Established 1906
Assets $0.24 billion
Loans $0.19 billion
Deposits $0.21 billion
Capital $0.02 billion

Ameristate Bank is an FDIC insured institution located in Atoka, OK. It was founded in 1906 and has approximately $0.24 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.

Bank Loan Profile?

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

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.57
Multifamily
Mortgages
2.47
Credit Card Loans 0.00
Consumer Auto Loans 5.28
Small Business Loans 5.89
Construction and Development Loans 6.66
Commercial Real Estate 25.82
Commercial and Industrial Loans 13.66
Farm Loans 4.16

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Ameristate Bank
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Branches

Ameristate Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Ameristate Bank Locations

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 BestCashCow.com 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
8.99% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Ameristate Bank had $2,223,000 in non-current loans and $82,000 in owned real estate. To cover these potential losses it had $22,841,000 in equity and $2,787,000 in loans loss reserves. That gives it a Texas Ratio of 8.99%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Ameristate Bank U.S. Bank Average
28.57% 8.58

Ameristate Bank has a Return on Equity of 28.57% versus the BestCashCow average of 8.58. 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.

Capitalization
Ameristate Bank U.S. Bank Average
9.46% 12.11

Ameristate Bank has a Capitalization of 9.46% versus the BestCashCow average of 12.11. 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 June 30, 2017, Ameristate Bank had assets of $241,477,000, loans of $191,090,000, and deposits of $213,172,000. 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.

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?

Yes

Where are Ameristate Bank locations?

See branch locations nearby.

Is Ameristate Bank open on Saturdays?

Is Ameristate Bank open on Sundays?

What time does Ameristate Bank open?

What time does Ameristate Bank close?

Are Ameristate Bank ATMs Open 24/7?

Do Ameristate Bank ATMs accept cash deposits?

Can Ameristate Bank customers use other ATMs?

Do Ameristate Bank branches have notaries?

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?

Products

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?

Compare personal loan rates here.

Does Ameristate Bank offer student loans?

Will Ameristate Bank cash a check?

Will Ameristate Bank redeem a savings bond?

Does Ameristate Bank cash savings bonds?

Will Ameristate Bank cash money orders?

Can Ameristate Bank issue a money order?

Does Ameristate Bank do currency exchange?

Background on The Bank

Who owns Ameristate Bank?

How long has Ameristate Bank been around?

Can Ameristate Bank transfer to other banks?

Does Ameristate Bank have quick pay?

Does Ameristate Bank accept rolled coins?

Will Ameristate Bank accept loose change?

Where is Ameristate Bank headquarters?

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