Is your local bank at 75% , 95% or maxed out?

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How can you tell if your odds are greater (a bank that is lending for a LOC) by evaluating the comparison chart on banktracker.com? I had one banker tell me that they are at 75% wanting to reach around 81%. Yet another that expressed they don't want money just sitting in the vault, they can always get more. In this crisis they can "always" get more? I'm speaking of local banks in Oklahoma, not FL, CO or CA. What is your opinion? If you don't mind checking a random bank in Oklahoma and give me your thoughts.