Total Assets
$77M
Total balance-sheet footings
FDIC Cert #4051 · Calumet, Oklahoma · Est. 1901
AllNations Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $77M
- Total assets
- D
- Health grade · Weak
- 0.83%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
AllNations Bank earns a PlainBankData health grade of D (46/100), with well-capitalized at 11.89% Tier 1, 0.83% ROA, 70% efficiency ratio.
- #3,930
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 11.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How AllNations Bank's 46/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
AllNations Bank's composite health score
Tier 1 Capital Ratio (11.89%) 28/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (59.34%) 0/20
Efficiency Ratio (70.01%) 4/15
46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$70M
Customer-funded liabilities
Net Loans
$49M
Outstanding loan book
Net Income
$616K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where AllNations Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. AllNations Bank's score of 46/100 falls in the highlighted band.
AllNations 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). AllNations Bank's $77M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.89%
Texas Ratio
59.34%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
9.86%
Efficiency Ratio
70.01%
What the numbers say about AllNations Bank
AllNations Bank is an FDIC-insured institution (Certificate #4051) headquartered in Calumet, Oklahoma, established in 1901. It holds $77M in total assets - 3,930th of 4,313 FDIC-insured banks, $70M in customer deposits, and $49M in net loans. Capital-wise, the Tier 1 ratio sits at 11.89%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 59.34%, elevated past the 50% level that draws analyst scrutiny. That combination rolls up into a PlainBankData health grade of D (46 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
AllNations Bank is a community-scale institution -- 143rd 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
$5M
Interest Income
$137K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. AllNations Bank reports a Texas Ratio of 59.34% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
59.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at AllNations Bank
AllNations Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 59.34% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at AllNations Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) AllNations Bank (FDIC Cert #4051) - 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 AllNations Bank's health grade?▼
AllNations Bank receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is AllNations Bank?▼
AllNations Bank holds $77M in total assets and $70M in deposits, ranking 3,930th of 4,313 FDIC-insured banks by asset size. It is headquartered in Calumet, Oklahoma.
Is my money safe at AllNations Bank?▼
Yes, deposits at AllNations Bank (Certificate #4051) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is AllNations Bank's Tier 1 Capital Ratio?▼
AllNations Bank has a Tier 1 Capital Ratio of 11.89%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for AllNations Bank?▼
AllNations Bank has a Texas Ratio of 59.34%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is AllNations Bank?▼
AllNations Bank has an Efficiency Ratio of 70.01%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read AllNations Bank's profile as a depositor or analyst.
- AllNations Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare AllNations 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.