All America Bank
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Data as of · sourced from FFIEC call reports. How we update
All America Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1969 (FDIC certificate 20093), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $611.5M, up 1.0% from Q2 2025, the 43rd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20093
- Headquarters
- Oklahoma City, OK
- Established
- 1969
- Total assets, Q2 2026
- $611.5M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 14.11%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103001456
- Latest call report
- Q2 2026, FFIEC 051 · All America Bank call report
- Asset rank in state
- 43rd of 169 in Oklahoma
Problem loans are rising at All America Bank. Based in Oklahoma City, Oklahoma, it had $611 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.50% of loans from 4.52% a year earlier. It pays an average of 2.77% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 36.1% of the capital and reserves that would absorb them, 13.7 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.4 million, 65% above the same quarter a year earlier. Over the same year, loans shrank 6.9% and deposits grew 0.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, All America Bank reported a CET1 capital ratio of 14.11%, a return on assets of 0.91%, a nonperforming-loan ratio of 5.50% and a Texas ratio of 36.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, All America Bank is the 43rd largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $611.5M, loans fell 3.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 20.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.7%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in OK; its Mustang office books 55% of its branch deposits. On its Q2 2026 call report, All America Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Rockwell Ave, Oklahoma City, OK 73128
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 22, 1969
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 124
- Domestic deposits
- $546.3M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $931K
- Average total assets
- $611.5M
- Average total loans
- $449.7M
- Average interest-bearing deposits
- $481.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 22, 1969
- FDIC Cert
- 20093
- Fed RSSD
- 25357
- Website
- https://www.allamerica.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, All America Bank's total assets ranged from $593.7M (Q4 2025) to $631.6M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$611.5M total assets against $605.4M; $547.8M total liabilities against $543.4M.
$434.3M net loans and leases against $466.0M; $546.3M total deposits against $541.2M.
$118.4M securities against $69.0M; $41.0M cash and balances due against $51.5M.
$9.4M total interest income against $9.1M; $3.8M total interest expense against $4.2M.
$5.6M net interest income against $5.0M.
$473K total noninterest income against $445K; $4.0M total noninterest expense against $3.9M.
$608K provision for credit losses against $623K.
$1.4M net income against $848K.
0.91% return on assets against 0.55%; 3.73% net interest margin against 3.36%.
14.11% CET1 capital ratio against 12.94%; 10.47% tier 1 leverage ratio against 10.21%.
Inside the full All America Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
All America Bank rankings
Its closest position to the top of a national ranking is 41 of 3,640, for Texas Ratio; its furthest is 2,681 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q2 2025) to 1.03% (Q3 2025) and its net interest margin ran from 3.36% (Q2 2025) to 4.05% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 0.91% | 5.50% | 36.08% | 3.73% |
| Q1 2026 | 13.32% | 0.96% | 4.99% | 34.87% | 3.99% |
| Q4 2025 | 13.43% | 0.94% | 5.33% | 37.28% | 3.92% |
| Q3 2025 | 13.25% | 1.03% | 5.56% | 38.12% | 3.89% |
| Q2 2025 | 12.94% | 0.55% | 4.52% | 33.37% | 3.36% |
| Q1 2025 | 12.72% | 0.61% | 3.66% | 26.96% | 4.05% |
| Q4 2024 | 12.44% | 0.87% | 3.60% | 27.80% | 3.82% |
| Q3 2024 | 12.44% | 0.66% | 3.43% | 25.75% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mustang Branch | Mustang , OK | 73064 | $299.8M |
| Cache Branch | Cache , OK | 73527 | $66.6M |
| Bank of the Wichitas Branch | Snyder , OK | 73566 | $54.2M |
| Southwest State Bank Branch | Sentinel , OK | 73664 | $40.2M |
| Elgin Branch | Elgin , OK | 73538 | $29.0M |
| Medicine Park Branch | Medicine Park , OK | 73557 | $28.6M |
| All America Bank (main office) | Oklahoma City , OK | 73128 | $27.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 29, 2015 | Structure Change | Acquired Southwest State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2003 | Structure Change | Acquired First Mustang Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 44 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about All America Bank
What are All America Bank's total assets?
As of the Q2 2026 filing, All America Bank reported total assets of $611.5 million in its FFIEC call report.
Where is All America Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was All America Bank founded?
It was established in 1969, per the FDIC institution directory.
Is All America Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates All America Bank?
All America Bank's primary federal regulator is the FDIC.
What is All America Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does All America Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is All America Bank's Texas Ratio?
Its Texas Ratio is 36.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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