# ALL AMERICA BANK
OKLAHOMA CITY, OK · FDIC certificate 20093 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $611.5M | |
| Deposits | $546.3M | |
| Loans and leases | $439.8M | |
| Total equity | $63.7M | |
| Loans / deposits | 79.50% (p44 of band) | 82.04% |
| Liquid assets / assets | 26.07% (p53 of band) | |
| Uninsured deposits / deposits | 7.23% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.47% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -3.43% (p70 of band) | -8.10% |
| AOCI / equity | -0.77% (p31 of band) | |
| ROA (annualized) | 0.94% (p28 of band) | 1.28% |
| Net interest margin | 3.95% (p52 of band) | 3.91% |
| Efficiency ratio | 66.19% (p65 of band) | |
| Noncurrent loans | 5.50% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.31% (p94 of band) | |
| Reserve coverage of noncurrent | 22.62% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 104.17% (p88 of band) | |
| Auto loans | $4.6M (1.04% of loans; DQ 3.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | charge-offs p90, deposits shrinking |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 2 | capital falling, construction >100% equity |  |
| 2015-06 | 1 | NIM <2.5% | capital falling, construction >100% equity |
| 2015-09 | 0 |  | NIM <2.5% |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2017-09 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2017-12 | 3 | capital falling | noncurrent p90 |
| 2018-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 | reserve under noncurrent | uninsured deposits leaving, charge-offs p90 |
| 2018-12 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2019-03 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | capital falling, charge-offs p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | capital falling, charge-offs p90 |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 |  | uninsured deposits leaving |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | noncurrent p90 |  |
| 2022-09 | 4 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2022-12 | 3 | construction >100% equity | noncurrent p90, loans exceed deposits |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | reserve under noncurrent | capital falling |
| 2023-12 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2024-03 | 6 | capital falling |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 4 |  | uninsured deposits leaving, capital falling |
| 2024-12 | 3 |  | construction >100% equity |
| 2025-03 | 3 |  |  |
| 2025-06 | 6 | capital falling, construction >100% equity, uninsured deposits leaving |  |
| 2025-09 | 3 |  | capital falling, construction >100% equity, uninsured deposits leaving |
| 2025-12 | 4 | construction >100% equity |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-21 [All America Bank Review: Checking, Savings, CDs - NerdWallet](https://news.google.com/rss/articles/CBMia0FVX3lxTE5pVS12X0t5VUcyazlrMWVYMjRRMkI1WWFEdzVVZ3gzX2hPUU83bWJtU2RpejNYNGNaNGVtS2VEZ0VuQXQzZXlFZ05EdkE3QUVMZmQ5Nm9HczhubnAtZ25TZkxNTlBFR2ZMdHpJ?oc=5) · NerdWallet
- 2015-10-05 [Horsing around with a second brand - Banking Exchange](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVlBsRTNLd2txaHRoQXZVM1lUR0FxU09ubEMzbWpjMUdqVmkwS2V0NHZTSnZWNDhyX0ZVYmVQci0ydFRoYXQwaVhIbF9vQ3dIMnhiUzVCSFg5RjV3OHlWRGlvbjhCWlkwb3pXOEl5NXJ3R2ZEVEh4VGNFZXZjckUwczNNcmJYZnBxN280cUpKNA?oc=5) · Banking Exchange
- 2022-11-25 [Banking Board reduces ’23 assessments by 50% - southwestledger.news](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQVh2bVJBbDB6aWtpenl4SC1BSlFJX0MzbE43REJZVVZnS1FPR2NCMk9HUWRSN2g3d01KaThJeG5Ic2lHTm1LZm1QQ2VYTEJ3YldpN3p5MERPMnFFNUFQWFVROURaU2IwQTR6bUY5UWFrSmJEUnM3SjFaX2hRSFhUOEQ5VQ?oc=5) · southwestledger.news
- 2021-01-29 [Best Money Market Account Rates for September 2026: Up to 4.00% - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTE9uMFY1Y3d0MWFDM1Z4WGxIS3pwRmRCckVoM0w5MWJJclFkWGhGRXlsd1hjRTRlWGItWVl5MElkVHFEblVCSERUUkl0NW5iLUtOeWt4czlud211MXdUZWlEZkluN0NudzdSYjZPdENDeWo?oc=5) · Investopedia
- 2025-04-24 [Best money market accounts and why you might need one - Fortune](https://news.google.com/rss/articles/CBMiZkFVX3lxTE91WmRIN3BKNl9YS0ZwcllXVWpiVTA5cm9wZTVHcWhROUpnb29ram85TnZXdWVjOXdtRVlLOHRoVml0elk0ZGZ4WEV5cHVScHJZME1YSlFxamdweWdaZElTRUMzalBHUQ?oc=5) · Fortune
- 2024-11-06 [Redneck Bank Review - businessinsider.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQTmFiV2F3czZsdDh3OWZHRmtrdXBnN1pLdl9yUTJNOXNFTTh3aXRIME0xUWs5cHFCZHBfR1dYcjQyT2ZuNE5HenNJTXJmeEVHVzNTRzJnc3dWV0E3YzhNaVNnSVZLYkhLb2tTU1k3M29zaVprQVc2d2ZPUjJSUWtJekh3?oc=5) · businessinsider.com
- 2026-06-25 [Charles Appling Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOU0dKZGZMdkVrMUlmRXhmUVlhNzFYX2lyNzZUUTlIZVVlR253aU8ydkNSUzM1Tkc2TGt6RC1ncVdETXlSNkdMYkY3azdjOEk0aEJ4S2VkZ1lCdlFDS0tCWEtpZ0NBSWp2VkdpMlhGcm1uYzdZOXdnaWYtUXRXNVpwUk5MTHpuM0hHYzhyRg?oc=5) · Dignity Memorial
- 2010-10-29 [Apartment properties in Wichita face foreclosure - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBQVVN3OGxINUpFMHRtMTJ5eDIwbXo1bUZKaVBoNVkyQ1dsYWtWVTdhRTdxYUR2bDBGQ1F6ck9TMEVhSmE5X3pLLVFLMDFoNEJYaFQ3ZUJVQk43czBSTTNuRjA3aE5NeFHSAWdBVV95cUxNdFZzNzQwYTVCaXZRY1FBbzhzV21TVGc1bWNUYmhWRmtKanNWZ19vMmV6NUUyUGhCa2FXUEYyNC1CTXVWeHV4YkZNVUZ0UEppS1pzYjBua0s4UXJWcndlSkxPWUhzTks4?oc=5) · Wichita Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20093 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "20093", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide