BlastPoint's Banking Scorecard
Ameristate Bank
Micro
Specialty: Commercial
OK
FDIC cert 15510
Designations: ✓ Community bank
Atoka, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Ameristate Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.36% above tier
- - Nonperforming Asset Ratio 3.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.3M
+6.1% YoY
+1.9% QoQ
|
+$249.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$330.7M
+7.9% YoY
+2.8% QoQ
|
+$191.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$418.7M
+7.5% YoY
+2.6% QoQ
|
+$235.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.17%
-7.4% YoY
-4.4% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
5.11%
+5.0% YoY
-1.0% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
76.24%
+6.3% YoY
+1.1% QoQ
|
+8.52% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
5.00%
+177.9% YoY
+26.3% QoQ
|
+4.36% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
78.97%
+0.3% YoY
+0.2% QoQ
|
+4.44% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
16.23%
-12.0% YoY
-6.3% QoQ
|
-6.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
3.75%
+86.5% YoY
+26.7% QoQ
|
+3.29% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
-41.3% YoY
+16.0% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.75%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Deposits
Current: $418.7M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $330.7M · Tier avg: $139.2M
96
96th pctile
Total Assets
Current: $467.3M · Tier avg: $217.5M
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.97% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.23% · Tier avg: 22.39%
26
26th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 5.00% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.75% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.75% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.00% · Tier avg: 0.64%
26
26th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 67.73%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.23% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.97% · Tier avg: 74.53%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
96
96th pctile
Total Assets
Current: $467.3M · Tier avg: $217.5M
96
96th pctile
Total Loans
Current: $330.7M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $418.7M · Tier avg: $183.7M