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200 South Rockwell Avenue
Oklahoma City, OK 73128

AmericaNet Bank is headquartered in Oklahoma City and is the 115st largest bank in the state of Oklahoma. It is also the 4,123rd largest bank in the nation. It was established in 1969 and as of June of 2014, it had grown to 44 employees at 2 locations. AmericaNet Bank's money market rates are 2X the national average, and it has a B+ health rating.

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This Is For Anyone Using Or Considering Americanet Bank

This is for anyone using or considering AmericaNet Bank, be very very careful!  I put $5000 in an AmericaNet Bank savings account because they offered a 2% rate.  Every quarter I'd go online and check my account.  Well, come to find, after my one year anniversary with AmericaNet Bank they began to charge a $10/month fee.  AmericaNet Bank did not provide any notice whatsoever when they started helping themselves to my money.  It wasn't until I logged on recently for my quarterly account review I found $20 missing.  After invesitigation I found that after one year, if you don't add more money, your account is considered dormant, and AmericaNet Bank starts penalizing your account $10/month every month until you add more money.  Almost seems like extortion to me!  I've used at least a dozen online Savings accounts and have never had money drained from my account like AmericaNet Bank is doing!  No bank has ever penalized me for leaving my money in their account!  But AmericaNet Bank does!  Beware, beware, beware!  AmericaNet Bank is a sham and ripoff. 

Americanet Bank Web Site Atrocious

If it were not for it's top-tier yield on it's deposit account I would have rated AmericaNet Bank only one star. What bank sends out to it's customers that their statement is available to view then at it's web site says no statements are available upon properly following correct instructions on the site? This bank has possibly the worst site of on-line financial institutions. I thought a number of months ago that they were going to switch web designers and improve their site but I guess that never materialized. I really don't know if the measly 3/4 of a percent is really worth the aggravation.

I Love This Bank!

I really love this bank, have had it for 4 years now and have not had any issues with them. The people are really nice and my money is always right :)

Best thing about this bank is that they consistantly have a much higher rate than any other bank. Worst thing is that it does take a long time to get your money 5-7 days and can only transfer 2,500 at a time (so for 10,000 you'd do 4 transactions). once they fix that, which they did for a short period, like a couple months it only took 1-2 days, but it's back to the same 5-7 days for now, but either way I love this bank!

Pretty BAD

Be aware of the charges they debit without notifying you. Unhelpful customer service. Terrible online interface. No bank to bank transfer!



Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 AmericaNet Bank had $1.08 million in non-current loans and owned real-estate with $12.87 million in equity and loan loss allowances on hand to cover it. This gives AmericaNet Bank a Texas Ratio of 8.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for AmericaNet Bank decreased slightly from 10.47% as of June 30, 2013 to 8.38% as of June 30, 2014, resulting in a positive change of 20.00%.This indicates that the balance sheet and financial strength for AmericaNet Bank has improved slightly in recent periods.

Deposit Growth


In the past year, AmericaNet Bank has decreased its total deposits by -$11.02 million, resulting in -9.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AmericaNet Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AmericaNet Bank has $125.97 million in assets with $12.87 million in equity, resulting in a capitalization level of 10.22%, which is above average.

Institution Statistics

FDIC Certificate #20093
Year Established1969
Primary RegulatorFDIC
Assets and Liabilities
Assets$125.97 million
Loans$61.06 million
Deposits$106.90 million
Equity Capital$11.59 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$1.08 million
Real Estate Owned$0
Historic Data - June 2013
Assets$129.46 million
Equity Capital$11.33 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$1.08 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.78%
Return on Equity8.67%
Interest Income$2.41 million
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AmericaNet Bank Money Market Rates

0.90%-$35kMega Money Market

AmericaNet Bank Checking Account Rates

1.50%-$10kRewards Checking - Qualifying
0.25%--Rewards Checking - Non Qualifying

AmericaNet Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 200 South Rockwell Avenue - Oklahoma City, OK 73128