TellerScore

All Capital Bank (FDIC certificate #16795) is based in Locust Grove, Oklahoma. Its Q2 2026 call report shows $176.1M in total assets and $158.4M in deposits and 2 offices.

Based on its Q2 2026 filing, All Capital Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 71st. Its strongest component is earnings (95/100; 1.88%), and its lowest is capital cushion (45/100; 9.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.52%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 28.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (79 → 73), mostly because the capital cushion component weakened by 15 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202481
Q4 202480
Q1 202577
Q2 202579
Q3 202579
Q4 202581
Q1 202675
Q2 202673
Tier 1 leverage ratio
5.00%8.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.45%
Q3 202411.58%
Q4 202410.58%
Q1 202510.37%
Q2 202510.97%
Q3 202510.51%
Q4 202511.22%
Q1 202610.82%
Q2 20269.52%
Noncurrent loans
0.00%0.16%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.01%
Q4 20240.10%
Q1 20250.01%
Q2 20250.00%
Q3 20250.09%
Q4 20250.06%
Q1 20260.31%
Q2 20260.30%
Return on assets
1.64%1.84%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.90%
Q3 20241.85%
Q4 20241.90%
Q1 20251.64%
Q2 20251.70%
Q3 20252.04%
Q4 20251.94%
Q1 20261.79%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$176.1M9.52%0.30%1.88%91.8%
Q1 202675$178.5M10.82%0.31%1.79%94.1%
Q4 202581$161.5M11.22%0.06%1.94%88.5%
Q3 202579$135.4M10.51%0.09%2.04%91.4%
Q2 202579$124.1M10.97%0.00%1.70%90.3%
Q1 202577$118.7M10.37%0.01%1.64%91.1%
Q4 202480$104.6M10.58%0.10%1.90%88.5%
Q3 202481$96.7M11.58%0.01%1.85%88.6%
Q2 202476$89.7M10.45%0.14%1.90%91.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.52%
22nd
Total risk-based capital0.00%
24th
Problem loans0.30%
57th
Net charge-offs0.00%
68th
Return on assets1.88%
84th
Net interest margin4.87%
90th
Efficiency ratio42.2%
94th
Loans to deposits91.8%
23rd
Uninsured deposits28.2%
34th
Loan-loss reserves1.43%
74th
Texas ratio2.8%
50th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples National Bank of ChecotahBank Checotah, OK91 out of 100, Very strong$171.8M16.1%0.53%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
Security Bank and Trust CompanyBank Miami, OK56 out of 100, Moderate$166.9M8.0%1.41%vs
Carson Community BankBank Stilwell, OK71 out of 100, Strong$166.7M12.6%1.43%vs
The Bank of Beaver CityBank Beaver, OK60 out of 100, Moderate$188.6M8.7%1.34%vs
First Enterprise BankBank Oklahoma City, OK28 out of 100, Low$189.7M10.8%6.33%vs

Deposit insurance

Is my money safe at All Capital Bank?

Yes. All Capital Bank is an FDIC-insured institution (FDIC certificate #16795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($44.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

All Capital Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, All Capital Bank reported 115 home-loan applications under HMDA (LEI 254900467HCJ72XZNJ32): 113 originated ($23,285,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
All Capital Bank
Former names
Bank of Locust Grove
Type
State-chartered bank (Fed member)
FDIC certificate #
16795
RSSD ID
14650
Primary regulator
FED
Holding company
Allbank Holding Co Inc
Established
June 6, 1949
Headquarters
210 E Main St, Locust Grove, OK 74352
Employees
19

Quick answers

All Capital Bank: common questions

Is All Capital Bank FDIC insured?

Yes. All Capital Bank is an FDIC-insured institution (FDIC certificate #16795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is All Capital Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has All Capital Bank ever failed?

There is no failure record for FDIC certificate #16795 in the FDIC failed bank list.

How many branches does All Capital Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Locust Grove

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Muskogee Federal Credit UnionCredit union Muskogee, OK87 out of 100, Very strong$112.0M12.8%0.58%vs
Bank of CommerceBank Chelsea, OK82 out of 100, Strong$203.2M12.8%0.78%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs