All Capital Bank

Locust Grove, OklahomaFDIC Cert #16795

STATEEstablished 19492 branches

Holding company: ALLBANK HOLDING CO INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$3.33M
Investor CRE	$24M
Multifamily	$4.16M
Construction	$6.48M
1–4 family	$53.7M
C&I	$38.7M
Agriculture	$6.23M
Other	$7.84M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$144M

+47.3%y/y

Percentile by value70th percentileby value

FDICLNLSGR

Net loans

$142M

+47.1%y/y

Percentile by value69th percentileby value

FDICLNLSNET

Loans YoY

+47.12%

+32.3%y/y

Percentile by value98th percentileby value

FDICLNLSNET

L/D

94.1%

+3.3%y/y

Percentile by value86th percentileby value

FDICLNLSNET + DEP

Loans/assets

79.8%

−2.2%y/y

Percentile by value89th percentileby value

FDICLNLSNET + ASSET

RE loans %

67.05%

+6.6%y/y

Percentile by value26th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,432points

−7.2%y/y

Peer standing48th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

2.30%

−63.4%y/y

Percentile by value17th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

16.63%

+29.3%y/y

Percentile by value78th percentileby value

FDICLNRENROT + LNLSGR

C&I %

26.81%

−2.9%y/y

Percentile by value95th percentileby value

FDICLNCI + LNLSGR