Total Assets
$162M
Total balance-sheet footings
FDIC Cert #16795 · Locust Grove, Oklahoma · Est. 1949
All Capital Bank - FDIC Bank Health Profile
A community-scale look at All Capital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $162M
- Total assets
- A
- Health grade · Excellent
- 1.94%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
All Capital Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.22% Tier 1, profitable at 1.94% ROA, efficient (48% cost ratio).
- #3,263
- largest of 4,313 FDIC banks by assets
- 24th
- percentile by asset size, nationally
- 11.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How All Capital Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
All Capital Bank's composite health score
Tier 1 Capital Ratio (11.22%) 28/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (47.61%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$145M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where All Capital Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. All Capital Bank's score of 88/100 falls in the highlighted band.
All Capital Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). All Capital Bank's $162M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.22%
Texas Ratio
0.44%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
19.38%
Efficiency Ratio
47.61%
What the numbers say about All Capital Bank
All Capital Bank is an FDIC-insured institution (Certificate #16795) headquartered in Locust Grove, Oklahoma, established in 1949. It holds $162M in total assets - 3,263rd of 4,313 FDIC-insured banks, $145M in customer deposits, and $128M in net loans. Its capital position: a Tier 1 ratio of 11.22%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.44% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
All Capital Bank is a community-scale institution -- 111th of 172 FDIC-insured banks headquartered in Oklahoma by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$10M
Interest Income
$409K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. All Capital Bank reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) All Capital Bank (FDIC Cert #16795) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is All Capital Bank's health grade?▼
All Capital Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is All Capital Bank?▼
All Capital Bank holds $162M in total assets and $145M in deposits, ranking 3,263rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Locust Grove, Oklahoma.
Is my money safe at All Capital Bank?▼
Yes, deposits at All Capital Bank (Certificate #16795) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is All Capital Bank's Tier 1 Capital Ratio?▼
All Capital Bank has a Tier 1 Capital Ratio of 11.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for All Capital Bank?▼
All Capital Bank has a Texas Ratio of 0.44%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is All Capital Bank?▼
All Capital Bank has an Efficiency Ratio of 47.61%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read All Capital Bank's profile as a depositor or analyst.
- All Capital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare All Capital Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.