All Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets climbed 5.20 percentage points in Q2 2026, from 84.78% to 89.98%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, All Capital Bank is 37th of 169 on return on assets, 1.99% as of Q2 2026, above the middle of the field. All Capital Bank's return on assets of 1.99% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.52% |
| Equity capital to assets | 9.35% |
| Tangible equity to tangible assets | 9.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.77% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 20.18% |
| Net interest margin | 4.76% |
| Efficiency ratio | 44.59% |
| Yield on earning assets | 7.40% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.17% |
| Core deposits to total deposits | 88.91% |
| Brokered deposits to total deposits | 4.96% |
| Deposits to assets | 89.98% |
| Securities to assets | 3.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 1.07% | 5.88% | 0.12% | 0.51% |
| Q4 2023 | 11.76% | 1.48% | 4.78% | 0.09% | 0.23% |
| Q1 2024 | 11.01% | 2.39% | 5.34% | 0.02% | -0.07% |
| Q2 2024 | 10.45% | 1.51% | 5.32% | 0.06% | 0.09% |
| Q3 2024 | 11.58% | 1.76% | 5.02% | 0.00% | 0.32% |
| Q4 2024 | 10.58% | 2.03% | 5.66% | 0.00% | 0.29% |
| Q1 2025 | 10.37% | 1.68% | 5.02% | 0.01% | 0.11% |
| Q2 2025 | 10.97% | 1.82% | 5.36% | 0.00% | -0.07% |
| Q3 2025 | 10.51% | 2.66% | 5.78% | 0.00% | -0.07% |
| Q4 2025 | 11.22% | 1.83% | 5.44% | 0.00% | 0.03% |
| Q1 2026 | 10.82% | 1.86% | 5.10% | 0.00% | -0.01% |
| Q2 2026 | 9.52% | 1.99% | 4.76% | 0.00% | 0.01% |
All Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock All Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full All Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16795) · FFIEC NIC profile (RSSD 14650)