Ameristate Bank: how it compares with its peers
Against 67 OK banks with half to twice its assets, Ameristate Bank's strongest measure in Q2 2026 is net interest margin (5.22% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $6.9M).
| Measure | Ameristate Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.42% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.22% | 4.17% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.02% | 59.98% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.9M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.32% | 78.06% | Context |
What it means for lending operations
Its efficiency ratio of 73.02% is above the 59.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FSNB, National Association Lawton, OK · $478M
- FNB Community Bank Midwest City, OK · $480M
- Bank of Western Oklahoma Elk City, OK · $470M
- The Bank, National Association Mcalester, OK · $488M
- Local Bank Hulbert, OK · $463M
- Shamrock Bank, N.A. Coalgate, OK · $501M
Questions about Ameristate Bank
How big is Ameristate Bank?
Ameristate Bank, established in 1906, is headquartered in Atoka, OK. It reported $478M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Ameristate Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.42% median for 67 OK banks with half to twice its assets, ahead of 49% of them.
What is Ameristate Bank's efficiency ratio?
73.02% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 59.98%, and lower is better.
Is Ameristate Bank growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.