Allnations Bank
Calumet, Oklahoma · FDIC Cert #4051
Allnations Bank is an FDIC-insured bank (Certificate #4051) with $67M in total assets and $61M in total deposits as of the Q2 2024 Call Report. 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). 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
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 2 points below the Oklahoma state average of 64 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 68, meaning this bank ranks below its size cohort. Site-wide, Allnations Bank is 8 points below the portfolio average of 70.
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 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.