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All Capital Bank

Locust Grove, OK · Cert 16795 · Allbank Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

All Capital Bank

Locust Grove, OK · Cert 16795 · Allbank Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$176.1MAssets
$147.6MLoans
$158.4MDeposits
$16.5MEquity
Loan mix
67%RE $92.7M28%C&I $38.7M5%Consumer $7.6MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $137.4M13%Noninterest $21.1MQ2 2025Q2 2026

NIM

7.37%Q2 ’247.31%Q2 ’257.11%Q2 ’26-2%-4%

Non-interest income vs. expense

2.77%Q2 ’242.52%Q2 ’252.06%Q2 ’26+9%-17%

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.2% share · #45 of 59 inst. · $0.1B of $39.3B

9.2% Mayes
0.2% Tulsa

Executive Summary

  • Earnings: ROA of 1.88%, up 18 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.30% of loans (+30 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.52%, down 145 bps from a year ago.
  • Funding: loans stand at 93.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.88%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-20 bps YoY

Efficiency Ratio (YTD, annualized)

42.20%-670 bps YoY

Tier 1 Leverage Ratio

9.52%-145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%2.04%1.94%1.79%1.88%+18 bps
Return on Equity16.98%20.32%19.38%18.08%19.42%+244 bps
Net Interest Margin4.86%4.78%4.59%4.96%4.66%-20 bps
Efficiency Ratio48.90%48.36%47.61%39.76%42.20%-670 bps
Non-Interest Burden2.22%2.17%2.03%1.82%1.83%-38 bps
Growth
Asset Growth (YoY)38.40%40.10%54.46%50.41%41.85%+345 bps
Loan Growth (YoY)37.54%46.33%56.11%47.26%45.87%+833 bps
Deposit Growth (YoY)38.87%41.93%56.15%42.38%43.46%+459 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.06%0.31%0.30%+30 bps
Net Charge-Offs / Loans0.02%-0.01%0.00%-0.01%0.00%-2 bps
Allowance / Loans1.44%1.39%1.35%1.42%1.43%-2 bps
Allowance Coverage of NPLsn/a14.7x22.5x4.5x4.7xn/a
Capital
Tier 1 Leverage Ratio10.97%10.51%11.22%10.82%9.52%-145 bps
Total Risk-Based Capital10.97%10.51%11.22%10.82%9.52%-145 bps
Equity / Assets10.29%10.06%9.86%9.90%9.35%-94 bps
Liquidity & Funding
Loans / Deposits91.64%92.69%89.75%95.47%93.17%+154 bps
Liquid Assets / Assets9.44%10.73%10.40%12.51%8.10%-134 bps
CRE / Total Capitaln/a180.57%168.29%215%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

All Capital Bank

Locust Grove, OK · Cert 16795 · Peer group: banks under $1B in assets in OK (n=88-89) · Allbank Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$176.1MAssets
$147.6MLoans
$158.4MDeposits
$16.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in OK (rank 4 of 89).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in OK (rank 84 of 89).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.84%

Rank 11 of 89

Net Interest Margin

4.66%

Rank 19 of 89

Efficiency Ratio

42.20%

Rank 4 of 89

Equity / Assets

9.35%

Rank 66 of 89

Non-interest income vs. expense

$0.4M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 97% of banks under $1B in assets in OK
Bank 42.20%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.84%0.85%1.26%1.60%Beats 88%11 / 89
Return on Equity19.68%7.40%11.89%14.65%Beats 92%7 / 89
Net Interest Margin4.66%3.46%3.93%4.45%Beats 79%19 / 89
Efficiency Ratio42.20%54.70%60.95%71.14%Beats 97%4 / 89
Asset Quality
Nonperforming Loans / Loans0.30%0.30%0.82%2.25%Beats 75%23 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 77%21 / 88
Capital
Tier 1 Capital Ratio9.52%10.89%13.00%16.33%Beats 6%84 / 89
Total Risk-Based Capital Ratio9.52%11.20%13.06%16.33%Beats 6%84 / 89
Equity / Assets9.35%9.26%10.94%13.52%Beats 26%66 / 89
Liquidity & Funding
Loans / Deposits93.17%61.51%72.27%84.01%91st pctl8 / 88
Loans / Assets83.84%52.51%63.15%71.27%93rd pctl6 / 89
Brokered Deposits / Depositsn/aNot reported for this institution