BlastPoint's Banking Scorecard

All Capital Bank

$100M-$1B Specialty: Commercial OK FDIC cert 16795

Locust Grove, OK

2 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

All Capital Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.02% above tier average
+ Efficiency Ratio 25.53% below tier average
+ ROA 0.52% above tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 14.1% in tier
- Credit Quality Pressure: Bottom 40.1% in tier

Get updates when All Capital Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$178.5M +50.4% YoY +10.5% QoQ	-$207.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$142.4M +47.1% YoY +11.3% QoQ	-$113.3M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$151.3M +42.4% YoY +4.7% QoQ	-$176.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	1.79% +9.0% YoY -7.8% QoQ	+0.52%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.95% +0.4% YoY -6.4% QoQ	+1.02%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 7.8% in tier
Efficiency Ratio ?	39.76% -18.9% YoY -16.5% QoQ	-25.53%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 3.9% in tier
Delinquency Rate ?	0.32% +419.4% QoQ	-0.57%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	94.12% +3.3% YoY +6.3% QoQ	+17.48%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	14.23% -23.4% YoY -15.5% QoQ	-7.79%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.29% +498.6% QoQ	-0.35%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	10.82% +4.4% YoY -3.5% QoQ	-5.01%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.06% -27.9% YoY -77.2% QoQ	-0.22%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline

#29 of 198 • Bottom 14.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.23%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#526 of 1308 • Bottom 40.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

105

Efficiency Ratio

profitability

Value: 39.76%

Peer Median: 65.29%

#105 of 2664 Top 3.9% in $100M-$1B

209

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.93%

#209 of 2664 Top 7.8% in $100M-$1B

505

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.27%

#505 of 2664 Top 18.9% in $100M-$1B

Top Weaknesses (6 metrics)

2227

Loan-to-Deposit Ratio

liquidity

Value: 94.12%

Peer Median: 76.64%

#2227 of 2664 Bottom 16.4% in $100M-$1B

2107

Tier 1 Capital Ratio

capital

Value: 10.82%

Peer Median: 15.83%

#2107 of 2664 Bottom 20.9% in $100M-$1B

2099

Total Assets

size

Value: $178.50M

Peer Median: $386.08M

#2099 of 2664 Bottom 21.2% in $100M-$1B

2096

Non-Interest-Bearing Deposit Share

funding

Value: 14.23%

Peer Median: 22.02%

#2096 of 2664 Bottom 21.4% in $100M-$1B

2083

Total Deposits

size

Value: $151.34M

Peer Median: $327.97M

#2083 of 2664 Bottom 21.8% in $100M-$1B

2024

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2024 of 2664 Bottom 24.1% in $100M-$1B