OMB Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 5.8 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Asset Mix:
Comm re (24%), comm loans (14%), home mtgs (12%), cash (11%), consumer loans (3%), home eq lns (1%), securities (1%), other (34%)
States with Branches:
KS, MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
JamesMark Bancshares, Inc.
Investment Rating
--
Address
3570 South National Avenue
Springfield, MO 65807
Springfield, MO 65807
Phone Number
(417) 851-0184
Year Founded
1999
FDIC Number
Website
Largest Affiliates
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