BlastPoint's Banking Scorecard
Ameristate Bank
Atoka, OK
7 branches across OK · TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +7.2% year over year ($426.4M on the books).
- Delinquency rate 1.69%.
- Return on assets 1.37%.
- Efficiency ratio 73.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ameristate Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.24% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 44.6% in tier
- - Nonperforming Asset Ratio 1.32% above tier average
- - Efficiency Ratio 8.54% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.7M
+6.9% YoY
+3.4% QoQ
|
+$91.2M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$338.2M
+5.9% YoY
+1.0% QoQ
|
+$79.9M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$426.4M
+7.2% YoY
+3.4% QoQ
|
+$99.7M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.37%
+38.2% YoY
+52.7% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
5.22%
+1.8% YoY
+3.5% QoQ
|
+1.24% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 5.2% in tier |
| Efficiency Ratio ? |
73.02%
-7.1% YoY
-10.9% QoQ
|
+8.54% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
1.69%
-40.5% YoY
+56.7% QoQ
|
+0.77% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
79.32%
-1.2% YoY
-2.3% QoQ
|
+1.37% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
16.35%
-12.9% YoY
+1.9% QoQ
|
-5.68% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.99%
-26.8% YoY
+48.3% QoQ
|
+1.32% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.2% in tier |
| Tier 1 Capital Ratio ? |
9.55%
-21.6% YoY
-1.7% QoQ
|
-6.36% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.5% in tier |
| Non-Interest Income / Assets ? |
0.26%
+22.5% YoY
+184.5% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.3%
-2.4pp YoY +0.3pp QoQ |
-5.8pp | 22.1% | 23.9% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
-2.5pp YoY -0.2pp QoQ |
-1.6pp | 11.6% | 15.7% | 12.5% | 53% |
| CRE | 45.8% | +6.3pp | 39.5% | 42.0% | 41.4% | 63% |
| 1-4 Family |
27.3%
+0.1pp YoY +0.1pp QoQ |
-5.4pp | 32.6% | 24.0% | 31.3% | 45% |
| Consumer |
4.8%
-0.6pp YoY -0.2pp QoQ |
+0.7pp | 4.1% | 5.6% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
9.5%
+0.1pp YoY -0.2pp QoQ |
-2.6pp | 12.2% | 11.7% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
111
-3 (-2.6%) YoY -33 (-22.9%) QoQ |
+52 | 58 | 150 | 482 | 90% |
| Assets per Employee ($) |
$4.3M
+9.8% YoY +34.1% QoQ |
-$3.2M | $7.5M | $6.5M | $8.8M | 7% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.5%
+0.5pp YoY +0.9pp QoQ |
+1.2pp | 0.3% | 0.9% | 0.4% | 95% |
| Nonaccrual |
0.2%
-1.6pp YoY -0.3pp QoQ |
-0.7pp | 0.9% | 1.5% | 1.0% | 30% |
| Allowance Coverage |
0.81x
+67.5% YoY -34.9% QoQ |
-23.35x | 24.15x | 61.99x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.5pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+3.8pp YoY +4.9pp QoQ |
+2.0pp | 12.2% | 11.9% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 41% |
| Net Income ($, YTD) |
$3.2M
+45.7% YoY — QoQ |
+$657K | $2.6M | $8.7M | $40.4M | 73% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.