TellerScore

AllNations Bank is a state-chartered bank (fed member) headquartered in Calumet, Oklahoma, in business for about 125 years. At the end of Q2 2026 it reported $84.5M in total assets and $76.9M in deposits, with 2 offices.

Based on its Q2 2026 filing, AllNations Bank scores 37/100, which we describe as low. That is higher than only 3% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 162nd. Its strongest component is funding & liquidity (93/100; 65% loans-to-deposits, 17% uninsured), and its lowest is problem-loan coverage (0/100; 50.6%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.31%
Loan quality0/100
Noncurrent loans ÷ total loans: 7.87%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 65.2% · 17.3% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 50.62%

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 3 points (40 → 37), mostly because the problem-loan coverage component weakened by 26 points.

TellerScore
343943Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202437
Q3 202435
Q4 202441
Q1 202543
Q2 202540
Q3 202541
Q4 202534
Q1 202639
Q2 202637
Tier 1 leverage ratio
5.00%7.03%9.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.53%
Q3 20248.67%
Q4 20249.05%
Q1 20258.69%
Q2 20258.52%
Q3 20258.52%
Q4 20258.32%
Q1 20268.32%
Q2 20268.31%
Noncurrent loans
4.94%8.09%11.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 202410.15%
Q3 202411.25%
Q4 20244.94%
Q1 20255.09%
Q2 20256.48%
Q3 20255.95%
Q4 20258.89%
Q1 20268.23%
Q2 20267.87%
Return on assets
0.55%0.92%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.55%
Q4 20240.86%
Q1 20251.08%
Q2 20251.06%
Q3 20251.11%
Q4 20250.83%
Q1 20261.28%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202637$84.5M8.31%7.87%1.17%65.2%
Q1 202639$86.7M8.32%8.23%1.28%62.3%
Q4 202534$77.1M8.32%8.89%0.83%70.9%
Q3 202541$79.6M8.52%5.95%1.11%61.1%
Q2 202540$74.3M8.52%6.48%1.06%59.5%
Q1 202543$73.5M8.69%5.09%1.08%58.4%
Q4 202441$66.5M9.05%4.94%0.86%66.5%
Q3 202435$64.3M8.67%11.25%0.55%60.6%
Q2 202437$66.7M8.53%10.15%0.90%55.9%

546 peers · Under $100 million in assets

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 ratio8.31%
5th
Total risk-based capital15.25%
62nd
Problem loans7.87%
3rd
Net charge-offs-0.01%
83rd
Return on assets1.17%
60th
Net interest margin4.65%
78th
Efficiency ratio62.9%
68th
Loans to deposits65.2%
51st
Uninsured deposits17.3%
44th
Loan-loss reserves1.99%
83rd
Texas ratio50.6%
1st

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Bank of WeatherfordBank Weatherford, OK68 out of 100, Moderate$86.0M13.5%2.47%vs
First State BankBank Tahlequah, OK49 out of 100, Below average$82.1M10.4%2.25%vs
Bank of EufaulaBank Eufaula, OK68 out of 100, Moderate$87.1M12.1%0.46%vs
Farmers and Merchants BankBank Arnett, OK85 out of 100, Very strong$80.3M13.0%0.42%vs
The State Exchange BankBank Lamont, OK42 out of 100, Below average$89.6M10.7%6.88%vs
Community State BankBank Hennessey, OK41 out of 100, Below average$89.7M7.5%2.85%vs

Deposit insurance

Is my money safe at AllNations Bank?

Yes. AllNations Bank is an FDIC-insured institution (FDIC certificate #4051). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.3% of deposits ($13.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.25% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

AllNations Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
AllNations Bank
Former names
The First National Bank of Calumet
Type
State-chartered bank (Fed member)
FDIC certificate #
4051
RSSD ID
146056
Primary regulator
FED
Holding company
Allnations Bcorp Inc
Established
January 1, 1901
Headquarters
114 East Main Street, Calumet, OK 73014
Employees
11

Quick answers

AllNations Bank: common questions

Is AllNations Bank FDIC insured?

Yes. AllNations Bank is an FDIC-insured institution (FDIC certificate #4051). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is AllNations Bank's TellerScore?

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

Has AllNations Bank ever failed?

There is no failure record for FDIC certificate #4051 in the FDIC failed bank list.

How many branches does AllNations Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Calumet

InstitutionScoreAssetsCapitalProblem loansCompare
The First Bank of OkarcheBank Okarche, OK89 out of 100, Very strong$137.5M16.1%1.04%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
First State BankBank Watonga, OK82 out of 100, Strong$89.8M13.2%1.28%vs
Weokie Federal Credit UnionCredit union Oklahoma City, OK74 out of 100, Strong$1.5B13.4%0.64%vs