All Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
All Capital Bank is an FDIC-insured commercial bank headquartered in Locust Grove, OK, established in 1949 (FDIC certificate 16795), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $176.1M, up 41.9% from Q2 2025, the 107th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16795
- Headquarters
- Locust Grove, OK
- Established
- 1949
- Total assets, Q2 2026
- $176.1M
- Assets vs Q2 2025
- +41.9%
- Tier 1 leverage ratio, Q2 2026
- 9.52%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103112730
- Holding company
- ALLBANK HOLDING COMPANY, INC.
- Asset rank in state
- 107th of 169 in Oklahoma
Problem loans are rising at All Capital Bank. The Locust Grove, Oklahoma bank had $176 million in assets at June 30, 2026, up 41.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.30% of loans from 0.00% a year earlier. It pays an average of 2.89% 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 grew its loan book 45.9% over the year, 8.4 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $861,000, 63% above the same quarter a year earlier. Where it has less room is capital: it funds 9.52% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, All Capital Bank reported a return on assets of 1.99%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.77%. The figures come from its call report filed with the FFIEC.
All Capital Bank ranks as the 107th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $176.1M, loans rose 2.2% and deposits rose 4.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.7% of total loans, followed by commercial and industrial loans at 25.8%. The FDIC Summary of Deposits lists 2 offices for it, in Locust Grove, OK and Broken Arrow, OK; its Locust Grove office books 55% of its branch deposits. Judged on its Q2 2026 call report, All Capital Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 E Main St, Locust Grove, OK 74352
- County
- Mayes
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 6, 1949
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $158.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $173.0M
- Average total loans
- $145.1M
- Average interest-bearing deposits
- $131.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 6, 1949
- FDIC Cert
- 16795
- Fed RSSD
- 14650
- SEC CIK
- 1968556 → filed by ALLBANK HOLDING COMPANY, INC.
- Website
- www.banklg.com →
- Parent Holding Company
- ALLBANK HOLDING COMPANY, INC. (RSSD 5759983)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, All Capital Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, All Capital Bank's total assets ran between $68.0M (Q3 2023) and $178.5M (Q1 2026), 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
$176.1M total assets against $124.1M; $159.6M total liabilities against $111.4M.
$145.5M net loans and leases against $99.7M; $158.4M total deposits against $110.4M.
$5.8M securities against $5.1M; $18.9M cash and balances due against $15.5M.
$3.1M total interest income against $2.2M; $1.1M total interest expense against $738K.
$2.0M net interest income against $1.5M.
$94K total noninterest income against $83K; $937K total noninterest expense against $775K.
$61K provision for credit losses against $145K.
$861K net income against $529K.
1.99% return on assets against 1.82%; 4.76% net interest margin against 5.36%.
9.52% tier 1 leverage ratio against 10.97%.
Inside the full All Capital 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.
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 Capital Bank rankings
Its closest position to the top of a national ranking is 397 of 3,606, for efficiency ratio; its furthest is 3,122 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.68% (Q1 2025) to 2.66% (Q3 2025) and its net interest margin ran from 4.76% (Q2 2026) to 5.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.52% | 1.99% | 0.30% | 2.77% | 4.76% |
| Q1 2026 | 10.82% | 1.86% | 0.31% | 2.62% | 5.10% |
| Q4 2025 | 11.22% | 1.83% | 0.06% | 0.44% | 5.44% |
| Q3 2025 | 10.51% | 2.66% | 0.09% | 0.70% | 5.78% |
| Q2 2025 | 10.97% | 1.82% | 0.00% | 0.00% | 5.36% |
| Q1 2025 | 10.37% | 1.68% | 0.01% | 0.05% | 5.02% |
| Q4 2024 | 10.58% | 2.03% | 0.10% | 0.73% | 5.66% |
| Q3 2024 | 11.58% | 1.76% | 0.01% | 0.06% | 5.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| All Capital Bank (main office) | Locust Grove , OK | 74352 | $86.7M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $71.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 119 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 115 applications, 113 loans originated, $23.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $7.3M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Capital Bank
What are All Capital Bank's total assets?
As of the Q2 2026 filing, All Capital Bank reported total assets of $176.1 million in its FFIEC call report.
Where is All Capital Bank headquartered?
It is headquartered in Locust Grove, OK, United States.
When was All Capital Bank founded?
It was established in 1949, per the FDIC institution directory.
Is All Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates All Capital Bank?
All Capital Bank's primary federal regulator is the Federal Reserve.
How many branches does All Capital Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is All Capital Bank's Texas Ratio?
Its Texas Ratio is 2.77% 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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