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All Capital Bank
Locust Grove, OK · FDIC Certificate #16795 · Chartered 06/0
Total assets
$176.08M
Total deposits
$158.44M
Total equity
$16.53M
Net loans
$145.52M
Branches (offices)
2
Net income (YTD)
$1.62M
Rank: #3,134 of 4,213 U.S. banks by assets · #107 of 168 in Oklahoma. Assets changed 41.9% and deposits 43.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.88% |
| Return on equity | 19.42% |
| Net interest margin (YTD) | 4.87% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 9.52% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.8% |
| Real estate loans (share of loans) | 65.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.81M | 65.8% | |
| Commercial & industrial | $38.05M | 26.1% | |
| Consumer / individual | $7.18M | 4.9% | |
| Construction & development | $7.17M | 4.9% | |
| Agricultural | $6.38M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $52.00M | $45.67M | $384.00K | $5.72M |
| Jun 2023 | $56.54M | $47.82M | $319.00K | $8.24M |
| Jun 2024 | $89.69M | $79.53M | $840.00K | $9.52M |
| Jun 2025 | $124.13M | $110.44M | $986.00K | $12.77M |
| Jun 2026 | $176.08M | $158.44M | $1.62M | $16.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $158.44M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $158.44M.
Similar-sized banks
Mercer Savings Bank ($176.21M) · Bank Michigan ($175.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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