# OMNIAMERICAN BANK
FORT WORTH, TX · FDIC certificate 58050 · asset band $1-10B · latest filing 2014-09 · 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 | $1.34B | |
| Deposits | $814.5M | |
| Loans and leases | $776.0M | |
| Total equity | $200.4M | |
| Loans / deposits | 94.51% (p75 of band) | 84.58% |
| Liquid assets / assets | 33.95% (p73 of band) | |
| Uninsured deposits / deposits | 8.99% (p14 of band) | 23.46% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 23.96% (p90 of band) | |
| FHLB advances / assets | 23.00% | |
| Tier 1 leverage | 14.76% (p94 of band) | 9.78% |
| Unrealized securities loss / equity | 0.88% (p63 of band) | 0.41% |
| AOCI / equity | 1.50% (p64 of band) | |
| ROA (annualized) | 0.57% (p19 of band) | 0.93% |
| Net interest margin | 3.23% (p30 of band) | 3.52% |
| Efficiency ratio | 75.42% (p77 of band) | |
| Noncurrent loans | 0.33% (p14 of band) | 0.91% |
| Net charge-offs (annualized) | 0.21% (p83 of band) | |
| Reserve coverage of noncurrent | 244.54% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 28.43% (p45 of band) | |
| Auto loans | $208.9M (26.92% of loans; DQ 1.42%, NCO 0.15%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 275 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **auto book souring** (`conc_auto`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2017-09-19 [Carter to step down as head of Southside Bank for North Texas - The Business Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxPUi12RHhldGM2X240aktqbWJFaHhVWjUxZWNlbXpYVmMyb055RXlQZnZfZ1pVRFlJQ3Rndjc0OTNRQXIwQTJNeTlNbkZIS0d6Y01Ic1FDTkpPejk3Y0ZVMVE4Ync5STRfYTRxSVZQdURGY2RubDlxT3FVeWNIRjdncGdKWl8yZ2FnM1FvOHhwTlRfQ21iS2FxRXU4ckVkeWdQeUE?oc=5) · The Business Press
- 2025-02-14 [40 Under 40 2025: Taylor Brown, 38 - Fort Worth Inc.](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZFZfeUoyeWJfTnppM2hqNDl1cUlkNkZlWVAwMmttMlZqQ2RXMXd0b2t0cEowYXFZZU9wTC13d2k3cDFjMjRXRXVyOFVqdDBVS1hjOUZkX2V2TndtNEFCX3FSaGFIOTJ6M0R1YTI1RUZBZ1FLX1Rmbm5vZHo5bHprag?oc=5) · Fort Worth Inc.
- 2014-05-02 [Fort Worth’s OmniAmerican Bank merges with East Texas bank - The Business Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZXVjb0Fuek9PNHlJeVBibGhIaTZMQ2FTWHlTZkQydk9pY01ZUTZiVl9hd2ZaMmFIZjhYdUhsVWN3RWdjd21EempwMk9MR1F4dnZhUUhvcVlrZkU4bVJpYVZEbWRrazh5a1I2UEphR1ZnUzZzV2swZHE3b0lmRGVadDRtaC0zTlo2Vlo2eFR1QVZ2c1NpZ3RveUZpNVc?oc=5) · The Business Press
- 2013-02-01 [Photo Release -- Fort Worth Banking Exec Begins Term on Federal Home Loan Bank of Dallas Board - GlobeNewswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNX2JOdGNFOWxIWjh1QzJTcldETzNpbVdLWE5lX2VtQ3BPZ1RxX2w4TDBQalpMdkpZOUdlLTVhY2ZlbjZieURhaWVsYjdPdHp2STdEVm05NUI5WE0wNUg2dDVoa1dOeTEyMHNQTmNXUFRKel9hUlYyU2gzMkdNMk4xcTRQaUhSMWRvblcwTmh1QXNKYWN4cUdsam9Hd0hKcWk3MWg4N1F0bldGX0NpQnpldFZvSzZ3OEo5X0otZm5LaXFXVmFCbEd4TzJEMk92ZTVjOG5kRXNYTGVsNnVkMTdZZHJMSk5jRzNHWk9TTmU3S0p4Uzl1SER5LQ?oc=5) · GlobeNewswire
- 2022-06-16 [Growing affordability: How a housing agency leader aims to provide solutions in Fort Worth - Fort Worth Report](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOam10LUFTdmpIRzZXd2VuNXFYazJjRHJfamxfMGJ1cjhSYWdoeEpZZ0hEeGpuaDZMUEhqbUtlaVdIUEFBdHplekJMakdVMV9yandGVFBRUGc4dWlhdk5sbXNwMWZrcm5ZTmlUa1NLV21ia01nX1puV3F1eDRIN0xyY0hScnBSYXhodzZVdmdsb2R6TFhYSEVncndoUUJQU0o1ZURNSkxhWVBUUENnUTJybzdfUC03bzN0RXVrZ1QyRUNoVWZEcUZuRDBSR2ZWTW11OXhhMG1B?oc=5) · Fort Worth Report
- 2011-04-05 [Al and Erin Hill Charged with Mortgage Fraud – Dallas Real Estate News - CandysDirt.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSUNjSlNYcGZvVDhUczAyY00xdG10aldjQ2dUaXc4YVczSVk1ejZIWEpoUzg3bVhkeGtrTlpBMFVVWjZSWTFtN0t5SGFnYmI4TDh0Ujc3eFY0S0YzbWlUb3BKQzNRMjJPVGxudWtZOWxyNGZYTFJ1cWZYMlI0QjdtWnk1OG11dHloSEZoMmZjLU1lbmlqY0RIbUhiWUpzWUxIejZjTjVR?oc=5) · CandysDirt.com
- 2014-08-08 [On the desk of Tim Carter, OmniAmerican Bank - The Business Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxOeTBkVE40aHA5dkFnM1FKajZFRVB4ak1fTXYxdW1QMEp3b1MxdHV6SGVucVpfV1A0N0wwTkFvbjRaMGdtM19iMVIwVzhpMGJmUFFFeU5kZUFfVGM5SUhzd19rWVJqaGN0dWJrZkwydXN5M05rMS0wTG9fZVBGQWY0VHNJYUxocVU0RlE?oc=5) · The Business Press
- 2014-06-22 [Bank Notes: Meridian Bank completes acquisition of State Bank - The Business Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNzdmMk9aTzhXT211ZVIxNmVrN1g1ZDJ0SmNEbVFPYTdndmhjZGV1by1DdzRPclFYTnk0REl1YmRqaFJPX2J1aVNCLTBwb3ZLanJlMzNMaUJhcXJ3WlUxY3c4ZUdPRU1yXzZ5ZnN4Vm1PWHRNN2hkem5sakVaMV8yaHVnTG5ValY3dHVMRDY4a2J2N2Y1ZzlRbFVNcGNkaTdU?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58050 (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/2.json (key "58050", 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