# OMNI BANK
METAIRIE, LA · FDIC certificate 27397 · asset band $300M-1B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $735.5M | |
| Deposits | $646.4M | |
| Loans and leases | $510.2M | |
| Total equity | $54.4M | |
| Loans / deposits | 77.88% (p49 of band) | 78.23% |
| Liquid assets / assets | 20.87% (p28 of band) | |
| Uninsured deposits / deposits | 18.25% (p76 of band) | 11.67% |
| Brokered deposits | 3.98% | |
| Wholesale funding | 8.49% (p53 of band) | |
| FHLB advances / assets | 3.16% | |
| Tier 1 leverage | 7.43% (p12 of band) | 9.23% |
| Unrealized securities loss / equity | -3.94% (p10 of band) | 0.92% |
| AOCI / equity | 0.10% (p50 of band) | |
| ROA (annualized) | -0.10% (p13 of band) | 0.63% |
| Net interest margin | 4.75% (p94 of band) | 3.68% |
| Efficiency ratio | 94.62% (p90 of band) | |
| Noncurrent loans | 5.95% (p82 of band) | 2.23% |
| Net charge-offs (annualized) | 1.00% (p85 of band) | |
| Reserve coverage of noncurrent | 22.38% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 147.56% (p91 of band) | |
| Auto loans | $881,000 (0.17% of loans; DQ 0.68%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 245 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |

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

- 2025-05-27 [Top 100 Banker: Howard Lee - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxOcWxFZk1LSlFKQlFqbzhxQTk0SUV0aWphZGFmLXhBUnRnQXVyaGhZVEZ5UnhaZFlxTlpUQmdiQ0pLbXRhNTA4WjB5UWZ6VENOSGQwUmRha1FvMXhxZDgtVm5vaHRNdEdIa0hZMG16dFh6czN4Z2k0SWpCVzMyWlpoT0JuRXFFMk0?oc=5) · Los Angeles Business Journal
- 2025-12-17 [Former IberiaBank execs are back in the game, have big plans for Louisiana bank they’re buying - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2025-02-10 [Women of Influence: Finance 2025 – Edythe Repoff - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeFU0RklQV2F5NWtHT1RNX3huRkwzWjAzemRucDVQZEhJQzJGRXJKVlhnM1BKMDVDTDBBRHVFbmVaR28wYzU1dVJId0RiNXJ4WTJUOGFYWnJQRTJjTkcwTEpVTWxLN2lyUVlDdmRRM2cwdktWV2tJaXZ0MGF5NjJZVUJkUWc5Ml9UTEt1UHhtOW54eWpsYkE?oc=5) · Los Angeles Business Journal
- 2026-02-23 [Mary Ellen Judlin Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOdy1jYkpINjFtbktCVHRLTlM2N1pMUENjUG81MF9DYTN6QkVTY2tEZFFjVDJjNzh1dk1VaHFqYU4tZGJtOVRSSVJRTDZka0RjcV9TV3lTT3IwWUZWWG1JUmVGZUo2Q2M0OXU0b01SWkxkaURzTTkxTEphcno3c3JUYkcwTkp2Z0dqZGhyMA?oc=5) · Dignity Memorial
- 2009-02-17 [Kyle Waters named president of Omni Bank - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdkVvVVExN1Rkak9EZm5sMjhBcUhrWkhLajFCb3lIMkU3UG9NSG5PN0hwaHFONlpfWFcwWU9ZblFJLWVkQ0F2NGNPWmZEanBpcEwzNmE0a2U5aGFaRTdQa2pPOE9lVHNkenZxVGNDcDZsWG1KaU82cXd1Ry1xelc2SXVpeFlWQdIBjgFBVV95cUxNSV9OUXBFcEJYeVlsYTFYNlJhWVJwRW9XZm5EZGZXVENBd2ozYWNmSVYtd0VnN2NMTDdaNlZLd2JlNE85OGZqYThCOTRGVXN3TU9sMm5vYUViWTVDQWU4dzlzaDE4Qk5QQm5EdGdVWklDaC1xbzRrOVZRcXBiRFotY3RDemYxYWlpVlNjWmhn?oc=5) · Baton Rouge Business Report
- 2012-02-29 [Fruge Named Business First Bank's Local Prez - theind.com](https://news.google.com/rss/articles/CBMiSEFVX3lxTE5DRVJqdTV6ZFFNOWhHUHZ0aTIyakFROXdDTXpmdXNxMzBPYWdUdk9kd2FfX09NdkN3SHQweFh1OVNXZEYySEI3SA?oc=5) · theind.com
- 2025-05-27 [Top 100 Banker: Edythe Repoff - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUkx1V2ozd1I0QnNxcWUtNXNtZWloU1dPOHltbzdKMGNSbFdOZmt2b2l0WW1BTDVPeTdZRTZ0ekgzdTVyem5oRXRLR2dFazdPcmVtSUNmUy1JYld6cXUxeFM0NVQyY1QwMU10dmh2NzZ2NXVnWkF1SWFaMHhJNDJjQXUzcVhQTkwtQ1Ew?oc=5) · Los Angeles Business Journal
- 2025-11-17 [Kenneth Levine Obituary - Covington, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdGVPdnNDZ3k3OVpxMlZGcVBXU092clNBQzV2RmdNTXVYWkZzVWxhTXpucXVmWFl0YXQ2UkFxMGNJLVlBaTZ1X1ZOTk5WalM2RjdiS0cybm1OUVV6NW5WUjdjZU8xclpyYXItRmVSem9QaUVieGJHTmVPYWtucUlfMjRNaWJZUQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27397 (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/5.json (key "27397", 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