# ONE WORLD BANK
DALLAS, TX · FDIC certificate 57901 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $290.1M | |
| Deposits | $245.0M | |
| Loans and leases | $224.1M | |
| Total equity | $38.0M | |
| Loans / deposits | 90.14% (p80 of band) | 73.59% |
| Liquid assets / assets | 20.84% (p24 of band) | |
| Uninsured deposits / deposits | 32.51% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.79% (p58 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 13.24% (p65 of band) | 11.76% |
| Unrealized securities loss / equity | 0.20% (p99 of band) | -6.57% |
| AOCI / equity | -0.36% (p51 of band) | |
| ROA (annualized) | -1.30% (p3 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 69.19% (p58 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 3.53% (p100 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 169.48% (p99 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 3 |  | reserve under noncurrent, capital falling |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2012-09 | 5 | deposits shrinking, assets shrinking |  |
| 2012-12 | 6 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | losing money, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 4 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 3 | charge-offs p90 | losing money, uninsured deposits leaving |
| 2013-12 | 3 |  |  |
| 2014-03 | 5 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2015-06 | 6 | capital falling |  |
| 2015-09 | 5 |  | charge-offs p90 |
| 2015-12 | 3 |  | losing money, capital falling |
| 2016-03 | 4 | deposits shrinking |  |
| 2016-06 | 5 | capital falling, losing money | deposits shrinking |
| 2016-09 | 4 |  | losing money |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 0 |  | noncurrent p90, reserve under noncurrent, expense ratio p90 |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 2 | expense ratio p90 |  |
| 2018-06 | 1 | deposits shrinking | noncurrent p90, expense ratio p90 |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 0 |  | deposits shrinking, loans exceed deposits |
| 2019-03 | 2 | capital falling, expense ratio p90 |  |
| 2019-06 | 1 |  | expense ratio p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | loans exceed deposits, expense ratio p90 |  |
| 2020-09 | 2 | capital falling | expense ratio p90 |
| 2020-12 | 1 | charge-offs p90 | loans exceed deposits, capital falling |
| 2021-03 | 2 | loans exceed deposits |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 3 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2023-03 | 1 |  | charge-offs p90, deposits shrinking |
| 2023-06 | 0 |  | loans exceed deposits |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | construction >100% equity | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | losing money, charge-offs p90 |  |
| 2026-06 | 3 |  |  |

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

- 2026-05-22 [One World Bank eyes statewide expansion while fueling small business growth - Community Impact](https://news.google.com/rss/articles/CBMitAFBVV95cUxPR2VnVTNJSGQtTUNvY245T1VYaFVadDhHWDB3aTBfZmt3bXJWcHp3R01vMEI5TWJ4TXd4RjFLTzRkZHZsbXdxbGRfWkZBTnFhZDFUSW0zaUM0bVc2akpGUkktXzVmLWVROTlaR3BhTGVycUV4U0VMLUdjV1MwLWVBY1BQYWtLRzZETERBb2tEMl9BeWhXYWRBUGtqWXVRM0haM2hmSWYzWTRnbW10OG5HX19hUFU?oc=5) · Community Impact
- 2026-02-26 [IDA20 Retrospective: Delivering Impact in Times of Crisis - World Bank Group](https://news.google.com/rss/articles/CBMihwFBVV95cUxQOWxjX1hlc1h0YWE2RktfZmh3aldOY3FqZW0tbkdoTjl5R1FiTnBwNmZERWc5RXBKUDRSWU5OVkUzYWFjd2ZQUmxrX2RobGJXUlc4Wm9EWFB0WTM1WU9pZTl1X1BrZUlqUzBHRWlFMFFOQ1NwR1N2XzZfdTlFUm5FR1VqZ2xyTlk?oc=5) · World Bank Group
- 2016-03-28 [Why Fewer Banks Could Spell Trouble - D Magazine](https://news.google.com/rss/articles/CBMinAFBVV95cUxPUHJ4OVZBa0NXcFZmWWM0NDlBdHluanp5azlsSXdjT0o0Z1haREhQcm9WVTRXcTVUTlZDTy1fUzhoV1hhaTlidUc2MDlaLVlmdnpNdm1CSVNsWlRqY0FaRDZWRC1KN2VQYVRMVkc0ZW1lRzk4Uk45YlRVTmJnUERkNGduRHEyWVkyYTIzNVRMUHc3M3Nxamc3SlNOVlY?oc=5) · D Magazine
- 2026-01-30 [Banks grow real estate loans by double digits - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQbWR1WkRtc1k2YWdJcFhadXlVODVXVjFJZzFNTG5TcmI3M19aMkVYdlNnc2NYT21YU2lKTU9ELXM2OUZ0RWRGZGY4OEtiOGhZZUxac3BONmNqOHFsbTIzSFFIanlPUDNIbDdMVkMzbVZXQXZJaDVDbWZaWE5rdjFDRWl1RWx6R0cyV3lBMlRVMlY4NDJNdVcxRHFSVTNoVlE0MFE?oc=5) · The Business Journals
- 2025-09-29 [Inside Creative Solutions’ Acquisition of 18 Nursing Facilities, And What Comes Next - skillednursingnews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNN0Y4ZGxmYm5kMnllTzRmQVZHMm4zUGVnQVY1YUxVcTNoMEdNSmx3dlFiZk1laWUxVDBvRVU5cWVjb3pDNlN4M3FobDhRTGNmVUxYWmVkUm53TGtEZHFvby00WWI3SGV4MzduMl8tNDZmSm1aNVVqZDhxZHNGMFcxaGJPa3NJc2RRRmZ3eTlwT0J6UzV3blhnMFRBSGIya3lycEFzdkc3N0EyTG1mam1reUhwMUpPSm0wRS1WUFVMbw?oc=5) · skillednursingnews.com
- 2020-07-17 [World Bank Staff Have a New Goal: Boost Incomes in Their Assigned Countries - Newsweek](https://news.google.com/rss/articles/CBMipAFBVV95cUxPbnp1MWtYYTI3YlJ1T0d4OFNmSDBXRmlBS29UZDlTaEZTV2pqLU1lRmljN0pGNWVCZEtyV055ZERuVllUTVdWYzh1dXYwZWhISnN6LWtWNm1pTW01b3VNM1UtcWR1TlY0c2tPVXRvem1UWWNzZHpWVE9oYzBKZ3Npb3hoQUxaLUJtT05CV1NWUFJCRm51MnU2UXNSV2FrUndGSkhWNQ?oc=5) · Newsweek
- 2021-05-21 [Experts aim to dispel low-speed zone myths, a key hurdle to safer cities - Smart Cities Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxOMEZ0VUg0TnU3NlRvTkRDTnl4bkRaeHlwS256MmVYdlJXMFluS0lmbHBFazdKWTZUX3I4Qmhvb1hpT2tjTDBfTnB2cjBEN1NOQ3dTdVlUMm53V2IwRm43b1laTXN6bXp2Q0pSNFJ4ZTRQNWpMQzZKLXVTeE9XRmoyaExiV3RVVDJTNFJuNEhyeTVVLWh3ZFpEbkdndElTdkpoUnpscE9hUm1RN0U3OG8waEdqMmY0ZzQ?oc=5) · Smart Cities Dive
- 2025-09-05 [Trump’s Share in Intel Is a Big Government Blunder - City Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTnlRQm96NVU2SjA3TmEyOGxCSDkyMFZpR3Y1R3ctWjRhSWdlMnl4b0ttNEtjZHktTDNQTW5kOVNyTmJHV1VuN3lmdC1ZVWV3OUVlYjV1S21lVkszMG1rQWpIUjM1Sm80VzdkckwtcWpQNDl6WDJ4cXdrREtOUzdKazRuMG1XSFRMLWc?oc=5) · City Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57901 (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/45.json (key "57901", 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