All Capital Bank: how it compares with its peers
Against 63 OK banks with half to twice its assets, All Capital Bank's strongest measure in Q2 2026 is efficiency ratio (42.20% vs. a 59.27% peer median). Its weakest relative measure is return on assets (1.88% vs. 1.53%).
| Measure | All Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.53% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.87% | 4.26% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.20% | 59.27% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $6.2M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.84% | 75.72% | Context |
What it means for lending operations
Its efficiency ratio of 42.20% is better than the 59.27% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Peoples National Bank of Checotah Checotah, OK · $172M
- Bank of Hydro Hydro, OK · $181M
- Security Bank and Trust Company Miami, OK · $167M
- Carson Community Bank Stilwell, OK · $167M
- The Bank of Beaver City Beaver, OK · $189M
- First Enterprise Bank Oklahoma City, OK · $190M
Questions about All Capital Bank
How big is All Capital Bank?
All Capital Bank, established in 1949, is headquartered in Locust Grove, OK. It reported $176M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is All Capital Bank's return on assets?
1.88% annualized in Q2 2026, against a 1.53% median for 63 OK banks with half to twice its assets, ahead of 67% of them.
What is All Capital Bank's efficiency ratio?
42.20% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 59.27%, and lower is better.
Is All Capital Bank growing its loans?
Net loans grew 45.9% over the year to Q2 2026, while deposits grew 43.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.