Omb Bank
Springfield, MO · Cert 8252 · Peer group: banks $1B-$10B in assets (n=322-328) · Jamesmark Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$2.4BAssets
$2.1BLoans
$2.1BDeposits
$208.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of banks $1B-$10B in assets (rank 50 of 328).
- Widest gap: tier 1 capital ratio trails 96% of banks $1B-$10B in assets (rank 314 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.22%
Rank 165 of 328
Net Interest Margin
3.40%
Rank 178 of 328
Efficiency Ratio
47.35%
Rank 50 of 328
Equity / Assets
8.82%
Rank 268 of 328
Non-interest income vs. expense
Unfavorable gap of $31.1M · efficiency ratio beats 85% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.91% | 1.22% | 1.52% | Beats 50% | 165 / 328 | |
| Return on Equity | 13.87% | 8.43% | 11.45% | 14.43% | Beats 70% | 97 / 328 | |
| Net Interest Margin | 3.40% | 3.03% | 3.45% | 3.83% | Beats 46% | 178 / 328 | |
| Efficiency Ratio | 47.35% | 51.61% | 59.56% | 67.53% | Beats 85% | 50 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.24% | 0.51% | 1.03% | Beats 33% | 217 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 58% | 137 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 11.75% | 13.15% | 15.47% | Beats 4% | 314 / 328 | |
| Total Risk-Based Capital Ratio | 11.13% | 12.63% | 14.15% | 16.46% | Beats 10% | 295 / 328 | |
| Equity / Assets | 8.82% | 9.15% | 10.33% | 12.01% | Beats 18% | 268 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 99.63% | 76.63% | 87.92% | 95.36% | 84th pctl | 51 / 323 | |
| Loans / Assets | 87.27% | 65.18% | 74.15% | 79.98% | 95th pctl | 15 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |