All Capital Bank


124 E Main St
Locust Grove, OK 74352
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

All Capital Bank is an FDIC insured institution located in Locust Grove, OK. It was founded in 1949 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 16795
Date Established 1949
Assets $ 81.12 million
Loans $ 61.75 million
Deposits $ 71.98 million
Capital $ 8.58 million

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

Deposit Rates - July 13, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - July 13, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for All Capital Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

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Featured - Virginia Home Equity Line Of Credit Rates 2024

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Third Federal Savings and Loan
Third Federal Savings and Loan
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7.990 %
$0 Learn More
More Info

Note to All Capital Bank
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Climate Policy and Initiatives

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Financial Details

All Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of All Capital 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 Capital Bank U.S. Bank Average
0.88% 3.96%

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, 2024, All Capital Bank had $83,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,580,000 in equity and $894,000 in loans loss reserves. That gives it a Texas Ratio of 0.88%.

Return on Equity
All Capital Bank U.S. Bank Average
8.45% 12.20%

All Capital Bank has a Return on Equity of 8.45% versus the BestCashCow average of 12.20%. 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 Capital Bank U.S. Bank Average
10.58% 10.76%

All Capital Bank has a Capitalization of 10.58% versus the BestCashCow average of 10.76. 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 Capital Bank Balance Sheet Analysis

As of December 31, 2023, All Capital Bank had assets of $81,116,000, loans of $61,753,000, and deposits of $71,977,000. 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, 2024
Cash & Balances due from depository institutions $ 5.19 million
Interest-bearing balances $ 3.78 million
Total securities $ 5.87 million
Federal funds sold and reverse repurchase $ 5.79 million
Net loans and leases $ 61.75 million
Loan loss allowance $ 0.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.23 million
     Total Assets $ 72.54 million
Total deposits $ 71.98 million
      Interest-bearing deposits $ 56.34 million
      Deposits held in domestic offices $ 71.98 million
      % insured (estimated) 66.67%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.61 million
      Total Liabilities $ 72.54 million
      Shareholders’ Equity $ 8.58 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 4.05 million
Total Interest Expense $ 0.83 million
Net interest income $ 3.22 million
Provision for loan and lease losses $ 0.62 million
Total non interest income $ 0.30 million
Total non interest expense $ 2.07 million
Pre-tax Net Operating Income $ 0.52 million

Bank Loan Profile?

The top three loan types in All Capital Bank’s loan portfolio are Small Business Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Oklahoma, All Capital Bank has a significantly higher percent of Small Business Loans 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 4.18
Credit Card Loans 0.00
Consumer Auto Loans 3.66
Small Business Loans 25.90
Construction and Development Loans 0.00
Commercial Real Estate 4.31
Commercial and Industrial Loans 14.87
Farm Loans 0.69

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