Allnations Bank
Calumet, Oklahoma · FDIC Cert #4051
This is the FDIC profile for Allnations Bank, an FDIC-insured bank (Certificate #4051) with $67M in total assets and $61M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Calumet, Oklahoma, the bank maintains a Tier 1 capital ratio of 14.15% (Well-Capitalized) and a nonperforming loan ratio of 10.15%. BankHealthData assigns a composite Health Grade of C (62/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Allnations Bank (FDIC cert 4051) is a community bank — $67M in total assets, $61M in deposits, serving the Calumet, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.15% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 10.15% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is comfortable: 27.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.06% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Allnations Bank carries a composite BankHealth grade of C (62/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Allnations Bank
- Total Assets
- $67M
- Total Deposits
- $61M
- Tier 1 Capital Ratio
- 14.15%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 10.15%
- Liquidity Ratio
- 27.83%
- Return on Assets
- 1.06%
- Headquarters
- Calumet, Oklahoma
- FDIC Certificate
- #4051
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Allnations Bank files quarterly Call Reports with the FDIC under Certificate #4051. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track Allnations Bank
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, Allnations Bank holds a Tier 1 capital ratio of 14.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Allnations Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Allnations Bank shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Allnations Bank Compares
Allnations Bank’s Health Score of 62 is 15 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 14.15% Tier 1 capital ratio is 0.1 points above the US banking industry average near 14%. The 10.15% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.06% is below the national ROA benchmark of ~1.1%. Among 750 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Allnations Bank is 18 points below the portfolio average of 80.
Frequently Asked Questions
Allnations Bank has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Allnations Bank's Tier 1 capital ratio of 14.15% and nonperforming loan ratio of 10.15% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Allnations Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4051). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Allnations Bank holds $67M in total assets and $61M in total deposits. It is headquartered in Calumet, Oklahoma (FDIC Certificate #4051).
Allnations Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #4051 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Allnations Bank has a Tier 1 capital ratio of 14.15%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 10.15%, and the return on assets is 1.06%.
Yes. Allnations Bank is FDIC-insured (Certificate #4051). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Allnations Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.