BlastPoint's Banking Scorecard
Ameristate Bank
Atoka, OK
7 branches across OK · TX
Ameristate Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.11% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.0% in tier
- - Efficiency Drag: Bottom 23.2% in tier
- - NIB Deposit Bleed: Bottom 58.1% in tier
- - ROA 0.37% below tier average
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$462.2M
+3.2% YoY
-1.1% QoQ
|
+$76.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$334.8M
+7.8% YoY
+1.2% QoQ
|
+$79.1M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$412.3M
+3.1% YoY
-1.5% QoQ
|
+$84.3M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.90%
-1.8% YoY
-23.6% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
5.05%
+1.4% YoY
-1.4% QoQ
|
+1.11% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 6.5% in tier |
| Efficiency Ratio ? |
81.97%
+1.3% YoY
+7.5% QoQ
|
+16.69% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate ? |
1.08%
-32.9% YoY
-78.4% QoQ
|
+0.19% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
81.21%
+4.5% YoY
+2.8% QoQ
|
+4.57% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
16.04%
-16.1% YoY
-1.2% QoQ
|
-5.98% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.34%
-25.5% YoY
-64.2% QoQ
|
+0.70% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.7% in tier |
| Tier 1 Capital Ratio ? |
9.71%
+2.6% YoY
+4.4% QoQ
|
-6.12% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.5% in tier |
| Non-Interest Income / Assets ? |
0.09%
-18.7% YoY
-82.3% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.