Allnations Bank
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Data as of · sourced from FFIEC call reports. How we update
Allnations Bank is an FDIC-insured commercial bank headquartered in Calumet, OK, established in 1901 (FDIC certificate 4051), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $84.5M, up 13.7% from Q2 2025, the 138th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4051
- Headquarters
- Calumet, OK
- Established
- 1901
- Total assets, Q2 2026
- $84.5M
- Assets vs Q2 2025
- +13.7%
- CET1 ratio, Q2 2026
- 13.99%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103107004
- Holding company
- ALLNATIONS BANCORPORATION, INC.
- Asset rank in state
- 138th of 169 in Oklahoma
Problem loans are rising at Allnations Bank. Its balance sheet stood at $85 million at June 30, 2026, up 13.7% from a year earlier; it is based in Calumet, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 7.87% of loans from 4.57% a year earlier. It funds 8.31% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also carries problem assets equal to 50.6% of the capital and reserves that would absorb them, 36.7 times the median of 1.4% for banks its size.
Loans are outrunning deposits: over the year loans rose 24.4% and deposits rose 13.8%. Delinquency has appeared in its $13 million commercial and industrial book: 2.71% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 1.2 times its capital, 4.7 times the median of 26% for banks its size.
As of June 30, 2026, Allnations Bank reported a CET1 capital ratio of 13.99%, a return on assets of 1.04%, a nonperforming-loan ratio of 7.87% and a Texas ratio of 50.62%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Allnations Bank is the 138th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $84.5M, loans rose 2.0% and deposits fell 2.7%. Commercial and industrial loans made up 25.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 21.8%. Its 2 offices in the FDIC Summary of Deposits are in Calumet, OK and Shawnee, OK; its Calumet office books 94% of its branch deposits. Judged on its Q2 2026 call report, Allnations Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 114 East Main Street, Calumet, OK 73014
- County
- Canadian
- Metro Area
- Oklahoma City, OK
- 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
- January 1, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $76.9M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $85.3M
- Average total loans
- $49.7M
- Average interest-bearing deposits
- $68.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4051
- Fed RSSD
- 146056
- Website
- www.allnations.bank →
- Parent Holding Company
- ALLNATIONS BANCORPORATION, INC. (RSSD 3176559)
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
Over the 12 quarters to Q2 2026, Allnations Bank's total assets ran between $53.2M (Q3 2023) and $86.7M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$84.5M total assets against $74.3M; $77.6M total liabilities against $68.1M.
$50.1M net loans and leases against $40.2M; $76.9M total deposits against $67.6M.
$14.3M securities against $14.7M; $3.9M cash and balances due against $3.9M.
$1.3M total interest income against $1.2M; $355K total interest expense against $373K.
$907K net interest income against $802K.
$37K total noninterest income against $28K; $619K total noninterest expense against $536K.
$36K provision for credit losses against $30K.
$221K net income against $191K.
1.04% return on assets against 1.02%; 4.39% net interest margin against 4.51%.
13.99% CET1 capital ratio against 15.00%; 8.31% tier 1 leverage ratio against 8.52%.
Inside the full Allnations 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.12% (Q3 2024) to 1.72% (Q4 2024) and its net interest margin ran from 3.52% (Q3 2024) to 4.92% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.99% | 1.04% | 7.87% | 50.62% | 4.39% |
| Q1 2026 | 13.17% | 1.28% | 8.23% | 53.02% | 4.62% |
| Q4 2025 | 11.89% | 0.02% | 8.89% | 48.91% | 3.54% |
| Q3 2025 | 14.51% | 1.20% | 5.95% | 25.07% | 4.64% |
| Q2 2025 | 15.00% | 1.02% | 6.48% | 26.20% | 4.51% |
| Q1 2025 | 14.17% | 1.07% | 5.09% | 29.29% | 4.57% |
| Q4 2024 | 14.02% | 1.72% | 4.94% | 30.60% | 4.92% |
| Q3 2024 | 14.44% | -0.12% | 11.25% | 41.77% | 3.52% |
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 |
|---|---|---|---|
| Allnations Bank (main office) | Calumet , OK | 73014 | $72.1M |
| Shawnee Branch | Shawnee , OK | 74801 | $4.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 22, 2018, Federal Reserve: Written Agreement: AllNations Bank, Calumet, Oklahoma
- Period: Most recent institution action October 22, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 154 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Allnations Bank
What are Allnations Bank's total assets?
As of the Q2 2026 filing, Allnations Bank reported total assets of $84.5 million in its FFIEC call report.
Where is Allnations Bank headquartered?
It is headquartered in Calumet, OK, United States.
When was Allnations Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Allnations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4051). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Allnations Bank?
Allnations Bank's primary federal regulator is the Federal Reserve.
What is Allnations Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Allnations 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 Allnations Bank's Texas Ratio?
Its Texas Ratio is 50.62% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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