All Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks All Capital Bank of Locust Grove, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.34% | +0.65% | 85th top |
| ROAE | 20.18% | 13.31% | +6.87% | 87th top |
| Net Interest Margin | 4.76% | 3.93% | +0.83% | 87th top |
| Efficiency Ratio | 44.59% | 61.14% | -16.55% | 90th top |
| PPNR / Avg Assets | 2.68% | 1.68% | +1.00% | 92nd top |
| Yield on Earning Assets | 7.40% | 5.67% | +1.73% | 97th top |
| Cost of Funds | 2.89% | 1.88% | +1.01% | 7th bottom |
| Net Interest Spread | 4.16% | 3.32% | +0.84% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 73rd above |
| Texas Ratio | 2.77% | 7.33% | -4.56% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.52% | 12.14% | -2.62% | 22nd bottom |
| Equity / Assets | 9.35% | 11.37% | -2.02% | 33rd below |
| TCE / Tangible Assets | 9.35% | 11.09% | -1.74% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.17% | 80.63% | +12.54% | 22nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.91% | 86.86% | +2.05% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 41.85% | 6.85% | +35.00% | 99th top |
| Loan Growth (Y/Y) | 45.87% | 7.90% | +37.97% | 98th top |
| Deposit Growth (Y/Y) | 43.46% | 6.28% | +37.18% | 99th top |
See All Capital Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock All Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full All Capital Bank profile, how to read a UBPR, or how this data updates.