# OBA BANK
GERMANTOWN, MD · FDIC certificate 27889 · asset band $300M-1B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $401.5M | |
| Deposits | $308.0M | |
| Loans and leases | $308.0M | |
| Total equity | $64.6M | |
| Loans / deposits | 98.85% (p89 of band) | 79.05% |
| Liquid assets / assets | 19.35% (p28 of band) | |
| Uninsured deposits / deposits | 19.65% (p56 of band) | 18.17% |
| Brokered deposits | 9.03% | |
| Wholesale funding | 15.73% (p85 of band) | |
| FHLB advances / assets | 3.86% | |
| Tier 1 leverage | 16.04% (p95 of band) | 10.01% |
| Unrealized securities loss / equity | 0.79% (p55 of band) | 0.54% |
| AOCI / equity | 0.52% (p28 of band) | |
| ROA (annualized) | 0.06% (p4 of band) | 0.86% |
| Net interest margin | 3.67% (p55 of band) | 3.60% |
| Efficiency ratio | 91.19% (p93 of band) | |
| Noncurrent loans | 1.36% (p61 of band) | 1.03% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 84.80% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 44.33% (p62 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling | loans exceed deposits |
| 2011-12 | 3 | loans exceed deposits | capital falling |
| 2012-03 | 4 | expense ratio p90, uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | wholesale funding >15%, reserve under noncurrent | loans exceed deposits |
| 2014-06 | 3 | expense ratio p90 |  |

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

- 2021-07-14 [With Howard deal, FNB accelerates decade-long effort to grow in Maryland - Maryland Daily Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxNcWVoV1hsa0NoVHdNY1ZkZXFNT2VWM0YyaXA3dFRkcjdGaEZKQ19SVEdLOHRsam5RbFJrVUlMdC03Rm5zUGVqcmRxZlZjcEhPMnJwZTlrdEVsbF9feFotcTN1WUZRV3d3UGpKVmdqZWh6N0djN1BqZEhDUzIwSkROUGtzMU9xNXlfSGgwWkdtcUlqUUtuTGFsc0d2MHU2YnpuWHVyanRqZmxCR2hV?oc=5) · Maryland Daily Record
- 2014-04-08 [F.N.B. buying Montgomery County bank for $94M as Maryland expansion continues - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPbGN0Zk5SN3JDV1ZwSE9DM2pySlF1eFF5MmtEc1FDa24ySndJTDNPb0ZHaWJxQk54di1xTjVnNU5wNFEzMEpKRjRLVnVvZDVBRVVkMjJSWHhMeU5XRVNJcnRiMjgyNFdqRU42TlBpVGgtTmNTTTVGVkMyamFZVUZzS3dBTGEyMUxBX1lVUDRMcXZYTFV1V0gtQ1d6RTNObTMxdExYZk1vNTU?oc=5) · The Business Journals
- 2021-10-10 [Darla Sexton Obituary (1961 - 2021) - Myersville, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxONjBfMF9WTFJyaWZ6d2hwcEpwbG5IUXZkbXV3WlVMbzVTWWNVdnhPT1RXSWFzVW9aRmxEOUx4XzhKNlZaWlZ2SURJel80b3RGS2FzcHhLWWd3VTIyWTJjUk95TDNOaDg4SkJfSXpHRGNEMnMtMHJoMk5LdGhTVS01Uml4cXQtSjVaX3dUVldBS3RhUERBbUZJYw?oc=5) · legacy.com
- 2021-07-29 [Michael Speiden Obituary (2011) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbm9Jekc2TEQ2ekZ3cmtET08zQ1Jtemd6M3hRMzdOT0NrTVBwVHNSN2Q2WHVoU1U0dUFMZnZyNDJ6TzhYeVV5WFVzTGQ3Qll0cTNPWU9WWTl3aGRqVUNGemtnaERCa2NwNGdLcWM3WGJ3N004ZEo4azBpcWhobWdaNXIyN1VvY0tEcFl5TXN3R2JndVJ3UlFZ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27889 (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/49.json (key "27889", 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