History

Founding and Early Years (1906–1929)
AmeriState Bank, originally known as Atoka State Bank, was organized in 1906—just before Oklahoma statehood. Its charter of operation, dated August 16, 1906, was granted in Federal Court at Fort Smith, Arkansas, since Atoka was then part of Indian Territory under federal jurisdiction.

The original officers were President T.F. Memminger and Vice President John Ray. Construction of the first bank building began in 1905 and was overseen by John Ray, S.B. Scratch, T.F. Memminger, and A.S. Burrows. Upon completion in 1906, the bank opened on the northwest corner of East Court and Ohio Streets, where it operated until 1927. That year, it relocated to the former Oklahoma State Bank building on Court Street, remaining there until moving to its current facility in 1964.

Leadership remained within the Memminger and Ray families until 1929, when the bank was sold to Hugh Halsell.

Growth Under New Leadership (1940–1981)
In November 1940, the bank was purchased by C.C. Stephens of Walters, Oklahoma, who served as President until 1958 and remained Chairman of the Board until 1967. During this period, C.A. “Barney” McCall, who had begun working for the bank in 1933, was elected President and later purchased Stephens’ interest.

Mr. McCall guided the bank through decades of growth and stability. He served as President until his passing in 2002. His son, Charles A. McCall, succeeded him as President and CEO from 1981 to 2006, continuing the family legacy of leadership.

Modern Era and Expansion (2001–Present)
Following changes in Oklahoma’s branch banking laws, the bank officially changed its name to AmeriState Bank on May 30, 2001, a move that reflected its vision to compete more broadly in financial markets.

That same year, AmeriState expanded into Antlers, Oklahoma, followed by:

 

• Sherman, Texas (2008) – crossing the Red River into North Texas
• Hugo, Oklahoma (2021)  – serving Choctaw County and surrounding areas
• Tishomingo, Oklahoma (2021) – expanding into Johnston County
• Pottsboro, Texas (2025)– further strengthening its North Texas presence

 

Today, AmeriState Bank continues under the leadership of the McCall family:

 

• Charles McCall III, Chief Executive Officer
• Clay McCall, President
• Charles McCall, Sr., Executive Vice President

 

With assets exceeding $450 million, AmeriState Bank proudly carries the slogan “A Bank That Friends Built”—a tribute to the generations of loyal customers whose trust has fueled over a century of growth.

Looking Ahead
As AmeriState Bank looks to the future, it remains committed to serving Southeastern Oklahoma, North Texas, and all Texomaland. With a strong foundation built on integrity, community support, and family leadership, AmeriState Bank is poised to continue its legacy for the next hundred years and beyond.