BlastPoint's Banking Scorecard
All Capital Bank
Locust Grove, OK
2 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +43.5% year over year ($158.4M on the books).
- Delinquency rate 0.31%.
- Return on assets 1.88%.
- Efficiency ratio 42.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 91.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
All Capital Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.28% below tier average
- + ROA 0.56% above tier average
- + Net Interest Margin 0.88% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 15.4% in tier
- - Credit Quality Pressure: Bottom 40.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.1M
+41.9% YoY
-1.4% QoQ
|
-$210.5M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$145.5M
+45.9% YoY
+2.2% QoQ
|
-$112.8M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$158.4M
+43.5% YoY
+4.7% QoQ
|
-$168.3M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.88%
+10.6% YoY
+5.5% QoQ
|
+0.56% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.87%
-4.9% YoY
-1.6% QoQ
|
+0.88% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
42.20%
-13.7% YoY
+6.2% QoQ
|
-22.28% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 5.8% in tier |
| Delinquency Rate ? |
0.31%
-2.6% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
91.84%
+1.7% YoY
-2.4% QoQ
|
+13.89% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
13.29%
-23.0% YoY
-6.6% QoQ
|
-8.74% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.29%
+1.0% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.52%
-13.2% YoY
-12.1% QoQ
|
-6.39% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
-22.0% YoY
+93.9% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
23% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.3%
-4.0pp YoY -0.9pp QoQ |
-8.9pp | 22.1% | 23.9% | 22.2% | 18% |
| Brokered Deposits |
5.0%
-2.3pp YoY -0.3pp QoQ |
-2.9pp | 7.9% | 9.7% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.1%
-3.2pp YoY -1.0pp QoQ |
+14.6pp | 11.6% | 15.7% | 12.5% | 94% |
| CRE |
27.9%
+10.4pp YoY +1.2pp QoQ |
-11.6pp | 39.5% | 42.0% | 41.4% | 31% |
| 1-4 Family |
37.2%
-5.4pp YoY -0.5pp QoQ |
+4.6pp | 32.6% | 24.0% | 31.3% | 66% |
| Consumer |
4.9%
-4.0pp YoY -0.4pp QoQ |
+0.8pp | 4.1% | 5.6% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
9.5%
-1.5pp YoY -1.3pp QoQ |
-2.7pp | 12.2% | 11.7% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+3 (+18.8%) YoY -1 (-5.0%) QoQ |
-40 | 58 | 150 | 482 | 9% |
| Assets per Employee ($) |
$9.3M
+19.5% YoY +3.8% QoQ |
+$1.7M | $7.5M | $6.5M | $8.8M | 81% |
| Branch Count |
2
-1 (-33.3%) YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp QoQ |
0.0pp | 0.3% | 0.9% | 0.4% | 74% |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage |
4.69x
+3.3% QoQ |
-19.46x | 24.15x | 61.99x | 20.23x | 69% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
+2.4pp YoY +1.3pp QoQ |
+7.2pp | 12.2% | 11.9% | 11.6% | 87% |
| Cost of Funds (YTD) |
2.6%
0.0pp YoY +0.1pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$1.6M
+64.3% YoY — QoQ |
-$935K | $2.6M | $8.7M | $40.4M | 45% |
Get Full Access to All Capital Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.