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
Unfavorable gap of $3.2M · efficiency ratio beats 97% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.85% | 1.26% | 1.60% | Beats 88% | 11 / 89 | | |
| Return on Equity | 19.68% | 7.40% | 11.89% | 14.65% | Beats 92% | 7 / 89 | | |
| Net Interest Margin | 4.66% | 3.46% | 3.93% | 4.45% | Beats 79% | 19 / 89 | | |
| Efficiency Ratio | 42.20% | 54.70% | 60.95% | 71.14% | Beats 97% | 4 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.82% | 2.25% | Beats 75% | 23 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 77% | 21 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 10.89% | 13.00% | 16.33% | Beats 6% | 84 / 89 | | |
| Total Risk-Based Capital Ratio | 9.52% | 11.20% | 13.06% | 16.33% | Beats 6% | 84 / 89 | | |
| Equity / Assets | 9.35% | 9.26% | 10.94% | 13.52% | Beats 26% | 66 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.17% | 61.51% | 72.27% | 84.01% | 91st pctl | 8 / 88 | | |
| Loans / Assets | 83.84% | 52.51% | 63.15% | 71.27% | 93rd pctl | 6 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |