BlastPoint's Banking Scorecard
All Capital Bank
Micro
Specialty: Commercial
OK
FDIC cert 16795
Designations: ✓ Community bank
Locust Grove, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
All Capital Bank shows strong momentum with 2 strengths and 54.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.43% above tier
- + Efficiency Ratio 20.12% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$161.5M
+54.5% YoY
+19.3% QoQ
|
-$56.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$128.0M
+56.2% YoY
+15.9% QoQ
|
-$11.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$144.5M
+56.1% YoY
+19.6% QoQ
|
-$39.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.94%
+1.9% YoY
-5.1% QoQ
|
+0.85% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
5.28%
-2.2% YoY
-1.6% QoQ
|
+1.43% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
47.61%
-2.3% YoY
-1.5% QoQ
|
-20.12% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.06%
-42.6% YoY
-36.5% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
88.54%
+0.0% YoY
-3.1% QoQ
|
+14.01% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
16.84%
-15.0% YoY
+9.0% QoQ
|
-5.55% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.05%
-42.0% YoY
-38.3% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
-50.4% YoY
+31.4% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.28%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.61%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 5.28% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.61% · Tier avg: 67.73%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
53
53th pctile
Total Loans
Current: $128.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Deposits
Current: $144.5M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $161.5M · Tier avg: $217.5M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.84% · Tier avg: 22.39%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.54% · Tier avg: 74.53%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.54% · Tier avg: 74.53%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.84% · Tier avg: 22.39%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
41
41th pctile
Total Assets
Current: $161.5M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $144.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.0M · Tier avg: $139.2M
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.61% · Tier avg: 67.73%
94
94th pctile
Net Interest Margin
Current: 5.28% · Tier avg: 3.85%