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One World Bank

Dallas, TX · Cert 57901 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · One World Holding Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$290.1MAssets
$224.1MLoans
$245.0MDeposits
$38.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-1.33%

Rank 27 of 28

Net Interest Margin

4.33%

Rank 10 of 28

Efficiency Ratio

69.19%

Rank 24 of 28

Equity / Assets

13.08%

Rank 8 of 28

Non-interest income vs. expense

$2.4M$10.2MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 18% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 69.19%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.33%1.12%1.22%1.47%Beats 4%27 / 28
Return on Equity-10.13%8.64%12.47%13.41%Beats 0%28 / 28
Net Interest Margin4.33%3.77%4.06%4.51%Beats 64%10 / 28
Efficiency Ratio69.19%57.39%61.94%66.78%Beats 18%24 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans2.36%0.00%0.01%0.20%Beats 4%28 / 28
Capital
Tier 1 Capital Ratio13.24%12.55%13.77%17.51%Beats 39%17 / 28
Total Risk-Based Capital Ratio13.24%12.59%14.62%18.18%Beats 29%20 / 28
Equity / Assets13.08%9.58%11.17%13.58%Beats 71%8 / 28
Liquidity & Funding
Loans / Deposits91.44%66.90%84.79%89.14%79th pctl6 / 28
Loans / Assets77.23%57.58%73.59%77.32%71st pctl8 / 28
Brokered Deposits / Depositsn/aNot reported for this institution