# OMB BANK
SPRINGFIELD, MO · FDIC certificate 8252 · asset band $1-10B · latest filing 2026-06 · live

**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 | $2.36B | |
| Deposits | $2.07B | |
| Loans and leases | $2.06B | |
| Total equity | $208.1M | |
| Loans / deposits | 98.05% (p81 of band) | 87.10% |
| Liquid assets / assets | 11.11% (p8 of band) | |
| Uninsured deposits / deposits | 20.70% (p19 of band) | 30.76% |
| Brokered deposits | 13.59% | |
| Wholesale funding | 16.56% (p84 of band) | |
| FHLB advances / assets | 2.97% | |
| Tier 1 leverage | 9.16% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -0.14% (p95 of band) | -7.75% |
| AOCI / equity | 0.18% (p86 of band) | |
| ROA (annualized) | 1.30% (p54 of band) | 1.26% |
| Net interest margin | 3.59% (p43 of band) | 3.70% |
| Efficiency ratio | 47.34% (p18 of band) | |
| Noncurrent loans | 0.83% (p67 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p58 of band) | |
| Reserve coverage of noncurrent | 190.67% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 108.15% (p91 of band) | |
| Auto loans | $5.1M (0.25% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 19.6% | |
| Employees | 242 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 3 | leverage <7%, noncurrent p90, reserve under noncurrent |  |
| 2014-09 | 2 | NIM <2.5% | leverage <7%, noncurrent p90 |
| 2014-12 | 0 |  | reserve under noncurrent, NIM <2.5% |
| 2015-03 | 1 | loans exceed deposits |  |
| 2015-06 | 0 |  | loans exceed deposits |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 3 | wholesale funding >15%, capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | brokered >10%, liquid assets <10% |  |
| 2017-09 | 4 | reserve under noncurrent | liquid assets <10% |
| 2017-12 | 5 | liquid assets <10%, capital falling | brokered >10% |
| 2018-03 | 5 | charge-offs p90 | capital falling |
| 2018-06 | 4 |  | wholesale funding >15% |
| 2018-09 | 4 | wholesale funding >15% | charge-offs p90 |
| 2018-12 | 3 |  | reserve under noncurrent |
| 2019-03 | 4 | reserve under noncurrent |  |
| 2019-06 | 4 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | charge-offs p90 |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2021-09 | 1 |  | liquid assets <10% |
| 2021-12 | 2 | liquid assets <10% |  |
| 2022-03 | 6 | brokered >10%, wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2022-06 | 5 |  | charge-offs p90 |
| 2022-09 | 4 |  | brokered >10% |
| 2022-12 | 4 | charge-offs p90 | wholesale funding >15% |
| 2023-03 | 2 |  | capital falling, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | brokered >10%, wholesale funding >15% | liquid assets <10% |
| 2023-12 | 2 |  | brokered >10% |
| 2024-03 | 5 | brokered >10%, construction >100% equity, uninsured deposits leaving |  |
| 2024-06 | 5 | liquid assets <10% | brokered >10% |
| 2024-09 | 4 | brokered >10% | construction >100% equity, liquid assets <10% |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 | construction >100% equity | loans exceed deposits, uninsured deposits leaving |
| 2025-06 | 3 | capital falling | wholesale funding >15% |
| 2025-09 | 3 | loans exceed deposits, liquid assets <10% | brokered >10%, capital falling |
| 2025-12 | 2 | brokered >10% | loans exceed deposits, liquid assets <10% |
| 2026-03 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2026-06 | 3 |  | liquid assets <10% |

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

- 2026-02-12 [The ‘discovery’ problem in embedded finance – and how OMB Bank found the right fintech partner - Tearsheet](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNdTlNR2pqWWZTOUhoNFBnMGNDaldacUhyYjVaT2RhMzVYMGxfT2RtbXBQNmVmbTRqTzZaSF9QNjVxWk1oanc4MWhxWDVWM2ZLU2ZMbFoyd1lMWkFpVFAwaHdEQktualcwOHdsdjdDWGtYUTRWQ2kwRkhYX2Z6VnEwM0RkMk53VVRHdTJPbF8zc2J5aHFVeXM0M1dSZnRGUy1mYk91ckUyNmwzMFRjelY2ay1Xc3lscFFOQ0RHUE1iX3BLUVNlU0NNbg?oc=5) · Tearsheet
- 2025-12-15 [How OMB Bank became a fintech sponsor bank - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxNa0g5cVRVbDVjbE5JQXY5dzNXWE5NQXU2WkhMTFlkUG1aOE1temFLaTl1a0JiY2dWZTR2bHVWNmt4Wk5BZnFLZkExTTBYRF9UQl8tYXU4eWNTUHBNQ3FuY3hnTDlLeTVQZkxJTm53T1Y0bEM2Z09nZXlCZ1RpQVFxeEx3WWY?oc=5) · American Banker
- 2026-04-01 [OMB Bank taps new president - Springfield Business Journal](https://news.google.com/rss/articles/CBMiakFVX3lxTE5BYVRNaHg1MWlZVThkMERpU3hpNkI0SzZVMEdmZFZfbm50T0pibnl0MFo2VlRqSlZhR3hqeXUwRm5KbXlEM1d5VXB2UnNwS3V4UkVFOHJnekxoa2xwYzJwQV9TY25XT1M2THc?oc=5) · Springfield Business Journal
- 2025-10-20 [OMB Bank launches Money & More podcast to make financial conversations more human - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMixgFBVV95cUxNek1rbjlTU1VOTjR6dWc0WURLNVpaWXZDX2tnWDJFdGU2Z2swVW96YVR3V0RUUzNCNS1TWk9XdXJPTUFpMXJaV1lSckVLSDBtMElyYVJaNGVZZ1BIZVMxSkhJSWFaMXJPODBfako0N3NWSExfVUJoekNVdGg1d0tLRk13RkFfWUE1R1JvazZNejRWV1hFNjI4QzFZOUJvM2l5T3RMV0NkaEstNUxYZmxldUdEemwwa2NvR0tGUk8tWkdNRXlNVGc?oc=5) · Springfield Daily Citizen
- 2025-09-11 [OMB Bank seizes on market disruption with Prairie Village expansion - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxQM09CaHdJSDZCZjVEUXhyR09hbER0Sk03QUcyTldaMm9qbThLUmM1SFNlNS1MQkFSZVZMRDBIYnlIY3dYR2V2MW43UHJURFlhbXFIRXJvZ1VlLXpyNWlCXzVWRzNWQTFRT29FSWJHZVllZzB4NmtvRThjSUt4TzQ1VHVtODd0LS1CbUdsdFdYZHR5YXM?oc=5) · The Business Journals
- 2025-09-23 [Former bank executive charged with misusing company credit card for rent, senior photos - Springfield News-Leader](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQN0tiUjVvQ244ZDQwTGV4TS1HUXV2NjZuc2Z0UkR6cE1laXZjNUx1dFJmT01XelB3c3ppbGxncnYzWmRQc29GV0c3U195ZkgyRFk5U1JBLTdfd0N0dU1ncldLNFJiVnFNUVZIWS0wQ3c5Z2NmMVQ2QlZuUmdxS0hXbEg4MExUSENOVlk3aHh3ZDRaRU5odmQyd2VoTGRYandDNnA1enFnWTIwR0VoRDBYM0hzejZNNENjNGVTcXRYcllRNFI5QmpYNVBqMjE1djdza09LbHB3?oc=5) · Springfield News-Leader
- 2024-03-12 [Treasury Prime Expands Bank Network through Partnership with OMB Bank - Business Wire](https://news.google.com/rss/articles/CBMixAFBVV95cUxOdmJZWjFUa2J5ZXFxRmRCZnR4SHBnLVRxZ0VBWEVraGJ6LTBOVERuZDRyQ01MUHRfVmtsUGNMaDJpTUdCOUpLTTN3YjFWUEMxNXlGVTR2ckwxRmFWM1FLMGFVd2txS0FQdFFNWmFLMXJGWVo5YV9ETU5Gak55eFNGRGljWENyQVlEeTBLTDFWODNzMDc5MGNwdVlwRDJoMUxtNUt0SDNmakUxd1c4WFBsMDk2VEFaeHFzMHBxSzNkRnkwTnF6?oc=5) · Business Wire
- 2025-09-23 [Former Springfield bank executive accused of embezzlement - OzarksFirst.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5Ub1dmQWNTdXFMb21tYjhzWGxZajZSNUpHVGdrWUdUS09qY0x6bDFEWDE3Vmk0cno3dnU1ZkdjYmJsd0JHc1pnMGkwOFRCeEhHdjZPWFUxNzh2QmVkeWZLVDZDZHZHLXVXZEtMNVI2ZjU4TGdXX183anh4MzHSAYIBQVVfeXFMUFJtSkZLNjE3T2F5ZFA4QkpkZHNOYklxT0liMG5SRVZJWjNXUHZJMmd5SlFiT0tyUTNhRHJUNlhoa0cwcGQwektKN1BGaWgySERWUW1PcmV4MEFYQ2Z4aFdsZTk5NFFqTl9fS0Nia3BVNVJ6MFh3bkJaWFk3NDVETklZZw?oc=5) · OzarksFirst.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8252 (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/60.json (key "8252", 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