Ameristate Bank (FDIC #15510): Bank Stress & Real-Estate Credit Exposure
Ameristate Bank (FDIC Cert #15510): bank stress 64/100, elevated, STABLE over 7 days; parent ATOKA STATE BCORP INC.
Ameristate Bank (#15510) lends in 5 counties across 2 states; Ameristate Bank (#15510) reaches 67 ZIP codes: Oklahoma 4 counties, 46 ZIPs; Texas 1 county, 21 ZIPs.
Ameristate Bank (#15510) largest markets: Grayson County, TX (42 branches, 21 ZIPs) (#15510), Pushmataha County, OK (16 branches, 16 ZIPs) (#15510), Atoka County, OK (30 branches, 15 ZIPs) (#15510), Johnston County, OK (13 branches, 13 ZIPs) (#15510), Choctaw County, OK (12 branches, 12 ZIPs) (#15510).
Ameristate Bank (#15510) reports $477.7 million in total assets; Ameristate Bank (#15510) equity $46.2 million (9.7% of Ameristate Bank (#15510) assets); Ameristate Bank (#15510) domestic deposits $426.4 million; Ameristate Bank (#15510) net income $3.2 million; Ameristate Bank (#15510) return on assets 1.37%; Ameristate Bank (#15510) return on equity 14.15%; Ameristate Bank (#15510) net interest income $11.2 million; Ameristate Bank (#15510) call report June 30, 2026.
Ameristate Bank (#15510) noncurrent real-estate loans: none reported; Ameristate Bank (#15510) residential -0.05%; Ameristate Bank (#15510) net charge-offs on real estate 1.64%; Ameristate Bank (#15510) residential charge-offs 4.15%.
Ameristate Bank (#15510) net interest margin 5.22% against an eight-quarter Ameristate Bank (#15510) average of 5.05% (Ameristate Bank (#15510) compression -0.18 points); Ameristate Bank (#15510) non-residential real estate 414.6% of equity; Ameristate Bank (#15510) rate-exposure score 40/100, Ameristate Bank (#15510) fixed-rate trap 40/100; Ameristate Bank (#15510) risk type credit driven; Ameristate Bank (#15510) rate regime rates elevated, Ameristate Bank (#15510) snapshot October 19, 2026.
Ameristate Bank (#15510) stress score moved from 71.6 on June 22, 2026 to 64.4 on October 19, 2026; Ameristate Bank (#15510) ranged 64.4 to 71.6 over 116 snapshots.
Ameristate Bank (#15510) alerts: 5 counties; top Ameristate Bank (#15510) alert scores: Atoka County, OK 40 (moderate); Antlers County, OK 21 (low); Hugo County, OK 21 (low); Sherman County, OK 21 (low); Tishomingo County, OK 21 (low).