# AMERISTATE BANK
ATOKA, OK · FDIC certificate 15510 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $477.7M | |
| Deposits | $426.4M | |
| Loans and leases | $342.8M | |
| Total equity | $46.2M | |
| Loans / deposits | 79.32% (p44 of band) | 82.04% |
| Liquid assets / assets | 21.26% (p36 of band) | |
| Uninsured deposits / deposits | 18.05% (p22 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.33% (p28 of band) | |
| FHLB advances / assets | 0.33% | |
| Tier 1 leverage | 9.55% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -0.02% (p97 of band) | -8.10% |
| AOCI / equity | -0.94% (p24 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 5.22% (p96 of band) | 3.91% |
| Efficiency ratio | 73.02% (p79 of band) | |
| Noncurrent loans | 1.67% (p85 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 80.75% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 93.61% (p84 of band) | |
| Auto loans | $8.0M (2.34% of loans; DQ 3.55%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, reserve under noncurrent |  |
| 2018-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 3 | capital falling, noncurrent p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | charge-offs p90 | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2022-03 | 1 |  | reserve under noncurrent, capital falling |
| 2022-06 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2023-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2023-06 | 4 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 | noncurrent p90, reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-06 | 4 | capital falling, noncurrent p90 |  |
| 2025-09 | 2 |  | capital falling, noncurrent p90 |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2026-06 | 1 | reserve under noncurrent | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-10-01 [BancFirst Announces Agreement To Sell Assets And Liabilities To AmeriState Bank - PR Newswire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxObXRkSXFpLTlUeTYxbDRkdkRUUUt1RkdlQmtNQXJUNFpsay1ESEt2SlVYWXZiZFZpYXlGS2tQQ3hJQVc5dFMwNl9aSXdfcEJRc205Z2VsN0F2R1RNZXVHZUh2ZXZTbXVSazM3ZXF3NDk2d25PUF9nRUNYc21GS2hiTXloektoOEpidS1GZTJ2NTRua3kydXNMQi1VM0xpWWZBY0owb1l3WG11VC1TLXh6UjJEN3I4NFJObDVjQXNMN1NmSWVfb2RCTWJRUzVxTDdJ?oc=5) · PR Newswire
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2024-04-05 [Mary Elizabeth Estep Obituary Apr 5, 2024 - Brown's Funeral Service | Atoka, OK](https://news.google.com/rss/articles/CBMic0FVX3lxTE1lNzdzVGtITERnRnJVbGRLQ191cXNMYUE2Ti1iNFUyS3lvMVJZVG4ySzVrMnFhUmZuTS1TT3dnN1hUcXM2WXNsU3JyZl82RzhrdHZuNFVFX3hJSHV1Yi1NM1hZNnB3eEVvS1lZa2ozbkl2RnM?oc=5) · Brown's Funeral Service | Atoka, OK
- 2023-09-21 [Oklahoma House Speaker warns of ESG’s economic harm - Oklahoma Council of Public Affairs](https://news.google.com/rss/articles/CBMiogFBVV95cUxOdUVxQlFLSjMwcy1GWlo5MlRhVXRrWTEwX1R1UEtRQWJwSUhaR1U4UGtvb1h5cUkwUmttdFlmOW9lWWRiQkZQVUdNbVN4eEpBY1ZMLWZISVZxOHhVUnBETE5fUVloNjhHcUYzZFhWT2xMbHdDcGluM1lLNXozX3pzN0NQdkd5d0tMZWxiRXR1QXA1MWVpbWczUnRLRzZzTXpZLWc?oc=5) · Oklahoma Council of Public Affairs
- 2022-03-22 [6 students killed in Tishomingo crash were in car that seats 4 - KXII](https://news.google.com/rss/articles/CBMickFVX3lxTE9oc2Q1bUlLYUdhdW03UWs2aEhrSzBMb2V0NXpwelRxYVZqYlBLNnEwQng3bXlscWpvNzdPREExNkQ3bDJaZmpPa0xYMUMzWVVnenFRNmVoZEh1NWxDX0d1YnpBSGluUTdZVEEyWlRPLTVvZ9IBhgFBVV95cUxNRHZ6YjhmX3ZVdXc5YUJWQll6Q05MTnlyaHBUOW5hOUZMbVNQS1daY3NHZlZrZUVoRE5Ed0xwUmlxNDF0bjZSVldhc25LNUM3OG0wLVRiaUZUUDFDLWtOS3FiUzVqQmtBNGhGRDE0bDhxWnZnN3ZLTUlKLS00S0t1M3RUUW9hQQ?oc=5) · KXII
- 2026-08-03 [Jesse Jay Peterson Obituary (2026) - Durant, OK - Brown's Funeral Service - Durant - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcVNRQzR6MENJbTRyU2Zpa2hZSkhnMUhjUzlVZldXVHNQWmdCWHRDNVJKNktBZW56bWxPb2Z0RXMzWFgzd1RHQUljdFJYdmxyZ1dGbk5ialliNlJmdXlxWnF6b0diSEdtU3FlRXZlZGMtVHlnZVdVRnRUejY3aEVfMDh5OA?oc=5) · Legacy obituary
- 2017-09-19 [Joy Culbreath, Mark Hughes, and Charles McCall, Sr., named Distinguished Alumni for 2017 - thesoutheastern.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcU9DYnBsZVk2OWxfY1B4N2ZOcVJ2MndPdW1XekIxVWhoS2wtdzcyQlpzVlBvczhDNy1fZFhMdHJ6TTlwcVp3SFowd3B6ZWF4X0RFMGIwRnRKdS1seFVzZE9jVGk4ZTNDbC1NcnRhMlI0cnBvWDh6eGhrSXl0NWlMNDhrYkRLZ1pkakJkVzBWek50eW0zOG9mNmU2V1hqRGMyc0d6RjhUc0hMZWdNUU5DNkk0R09EOGNJSEE4dTR5TQ?oc=5) · thesoutheastern.com
- 2025-11-12 [Freda Sue Leuty Obituary Nov 12, 2025 - Brown's Funeral Service | Atoka, OK](https://news.google.com/rss/articles/CBMidEFVX3lxTFBEYzBaTkZxSzhlNUJ6ZWprdGFRSEk3Vy0tR3gySXhiYmRfbmhMRWw4R0lVbUhSNnVGQXQ5SkRLNkhBeEpSVG9uT0hvLThhanRDbEhwaHY0OVpGc3phSDF1eHk0Q2JqSDRXMGh6d3NxUjlSQU5C?oc=5) · Brown's Funeral Service | Atoka, OK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15510 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "15510", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide