| Metric | Ameristate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $477.7M | $426.4M | $338.2M | $46.2M | $3.2M | 1.37% | 5.22% | 1.99% |
| Q1 2026 | $462.2M | $412.3M | $334.8M | $45.4M | $1.0M | 0.90% | 5.05% | 1.34% |
| Q4 2025 | $467.3M | $418.7M | $330.7M | $44.6M | $5.3M | 1.17% | 5.11% | 1.52% |
| Q3 2025 | $458.5M | $408.0M | $321.7M | $44.6M | $4.1M | 1.23% | 5.17% | 1.38% |
| Q2 2025 | $446.8M | $397.9M | $319.3M | $43.2M | $2.2M | 0.99% | 5.13% | 2.72% |
| Q1 2025 | $448.0M | $399.7M | $310.5M | $42.9M | $1.0M | 0.91% | 4.97% | 1.80% |
| Q4 2024 | $440.6M | $389.4M | $306.6M | $41.7M | $5.5M | 1.27% | 4.87% | 2.01% |
| Q3 2024 | $429.2M | $376.9M | $301.6M | $41.9M | $4.2M | 1.30% | 4.84% | 1.78% |
Loan mix (Q2 2026): real estate $280.2M · commercial $33.8M · consumer $16.3M · securities $36.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 62.9% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ameristate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 5 counties across 2 states (+1 vs 2024) · $397.9M branch deposits. Biggest market: Atoka, OK, ranked 1st with 65.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Atoka, OK | 2 | $215.6M | 65.94% | 1st |
| Johnston, OK | 1 | $51.4M | 28.78% | 2nd |
| Choctaw, OK | 1 | $47.2M | 12.23% | 4th |
| 2 more counties with Pro → | ||||
Oklahoma: 77th with 0.22% · Texas: 630th with 0.00% · Sherman-Denison metro: 15th, 1.03% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 7