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BanksAll Capital Bank

All Capital Bank

LOCUST GROVE, OKSmallEst. Jun 6, 1949FDIC #16795RSSD #14650FED
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All Capital Bank is a locally rooted FDIC-insured community bank based in Locust Grove, OK, during the postwar banking-system expansion. Total assets stand at $179M. Returns are notably above industry norms: 1.86% ROA, 18.08% ROE, and 5.10% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.82% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 2.62% Texas Ratio. It operates 2 branches, primarily in Oklahoma.

Headquarters Profile

Address
210 E Main St, LOCUST GROVE, OK 74352
County
Mayes
Charter
Commercial bank, state charter, Fed member, FRB-supervised
Primary Regulator
FED
Fed District
13
Established
June 6, 1949
Branches
2 domestic
Employees (FTE)
20
FDIC Cert
16795
Fed RSSD
14650
Assets
$179M
Deposits
$151M
Loans
$144M
Equity
$18M

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Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-311.86%0.00%2.62%5.10%
2025-12-311.83%0.00%0.44%5.44%
2025-09-302.66%0.00%0.70%5.78%
2025-06-301.82%0.00%0.00%5.36%
2025-03-311.68%0.01%0.05%5.02%
2024-12-312.03%0.00%0.73%5.66%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

BranchLocationZIPDeposits
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Frequently asked about All Capital Bank

What are All Capital Bank's total assets?

As of the Q1 2026 filing, All Capital Bank reported total assets of $178.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is All Capital Bank headquartered?

All Capital Bank is headquartered in LOCUST GROVE, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was All Capital Bank founded?

All Capital Bank was established in 1949, per the FDIC institution directory.

Is All Capital Bank FDIC-insured?

Yes. All Capital Bank 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

How many branches does All Capital Bank operate?

All Capital Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is All Capital Bank's Texas Ratio?

All Capital Bank's Texas Ratio is 2.62% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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