All America Bank


200 South Rockwell Avenue
Oklahoma City, OK 73128
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.55% 1.15% →
2-Year CD 0.75% 1.26% →
5-Year CD 1.20% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

All America Bank is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1969 and has approximately $0.47 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 20093
Date Established 1969
Assets $ 467.46 million
Loans $ 372.31 million
Deposits $ 422.26 million
Capital $ 44.67 million

For a more detailed analysis of All America Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $100 - Learn More
Money Market
0.05% $2,500 $24,999 Learn More
Money Market
0.35% $25,000 $49,999 Learn More
6 Mo CD
0.50% $500 - Learn More
12 Mo CD
0.55% $500 - Learn More
24 Mo CD
0.75% $500 - Learn More
36 Mo CD
1.00% $500 - Learn More
48 Mo CD
1.10% $500 - Learn More
60 Mo CD
1.20% $500 - Learn More

Int Checking Rates APY MIN MAX
0.05% $1 $1,499 Learn MoreShow Less
Int Ckg
0.15% $2,500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Ultimate Rewards 1.25% $0 $0.00 Learn MoreShow Less

Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for All America Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to All America Bank
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All America Bank Locations

Financial Details

All America Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of All America Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
All America Bank U.S. Bank Average
10.76% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, All America Bank had $4,989,000 in non-current loans and $207,000 in owned real estate. To cover these potential losses it had $44,673,000 in equity and $3,627,000 in loans loss reserves. That gives it a Texas Ratio of 10.76%.

Return on Equity
All America Bank U.S. Bank Average
14.88% 9.41%

All America Bank has a Return on Equity of 14.88% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

All America Bank U.S. Bank Average
9.56% 12.82%

All America Bank has a Capitalization of 9.56% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

All America Bank Balance Sheet Analysis

As of December 31, 2019, All America Bank had assets of $467,458,000, loans of $372,309,000, and deposits of $422,257,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 16.15 million
Interest-bearing balances $ 10.47 million
Total securities $ 43.40 million
Federal funds sold and reverse repurchase $ 17.58 million
Net loans and leases $ 372.31 million
Loan loss allowance $ 3.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles $ 3.21 million
All other assets $ 9.31 million
     Total Assets $ 422.79 million
Total deposits $ 422.26 million
      Interest-bearing deposits $ 366.86 million
      Deposits held in domestic offices $ 422.26 million
      % insured (estimated) 87.53%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.53 million
      Total Liabilities $ 422.79 million
      Shareholders’ Equity $ 44.67 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 25.08 million
Total Interest Expense $ 5.87 million
Net interest income $ 19.21 million
Provision for loan and lease losses $ 2.30 million
Total non interest income $ 2.16 million
Total non interest expense $ 12.42 million
Pre-tax Net Operating Income $ 6.65 million

Bank Loan Profile?

The top three loan types in All America Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks in Oklahoma, All America Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.60
Credit Card Loans 0.00
Consumer Auto Loans 1.09
Small Business Loans 8.84
Construction and Development Loans 10.80
Commercial Real Estate 21.78
Commercial and Industrial Loans 6.84
Farm Loans 16.46

Frequently Asked Questions About All America Bank

Branches and Savings

Is All America Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20093.

Why does All America Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are All America Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is All America Bank a commercial bank?


Where are All America Bank locations?

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Is All America Bank open on Saturdays?

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Are All America Bank ATMs Open 24/7?

Do All America Bank ATMs accept cash deposits?

Can All America Bank customers use other ATMs?

Do All America Bank branches have notaries?

Will All America Bank notarize my document?

What address for All America Bank should I put for incoming ACH transfers?

Will the All America Bank branch print checks?

Do All America Bank checks expire?

Does All America Bank require US citizenship to open account?

Can All America Bank close my account?

Does All America Bank Report to credit bureaus?

Does All America Bank Use Equifax?

What is All America Bank's ACH Routing Number?

What is All America Bank's SWIFT code?


Does All America Bank offer mortgages?

Compare mortgage rates here.

Does All America Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does All America Bank offer personal loans?

Compare personal loan rates here.

Does All America Bank offer student loans?

Will All America Bank cash a check?

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Does All America Bank cash savings bonds?

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Can All America Bank issue a money order?

Does All America Bank do currency exchange?

Background on The Bank

Who owns All America Bank?

How long has All America Bank been around?

Can All America Bank transfer to other banks?

Does All America Bank have quick pay?

Does All America Bank accept rolled coins?

Will All America Bank accept loose change?

Where is All America Bank headquarters?

Customer Reviews for All America Bank

  • February 25, 2016

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