# OMNIBANK
BAY SPRINGS, MS · FDIC certificate 8871 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $57.0M | |
| Deposits | $52.1M | |
| Loans and leases | $31.0M | |
| Total equity | $4.7M | |
| Loans / deposits | 58.66% (p48 of band) | 59.63% |
| Liquid assets / assets | 40.45% (p44 of band) | |
| Uninsured deposits / deposits | 15.21% (p30 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.13% (p11 of band) | 10.37% |
| Unrealized securities loss / equity | -0.79% (p86 of band) | -10.87% |
| AOCI / equity | -2.26% (p71 of band) | |
| ROA (annualized) | -0.64% (p3 of band) | 0.73% |
| Net interest margin | 2.87% (p44 of band) | 2.97% |
| Efficiency ratio | 121.84% (p97 of band) | |
| Noncurrent loans | 0.72% (p71 of band) | 0.26% |
| Net charge-offs (annualized) | -0.06% (p7 of band) | |
| Reserve coverage of noncurrent | 187.95% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 24.62% (p59 of band) | |
| Auto loans | $2.3M (7.35% of loans; DQ 0.00%, NCO -0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | noncurrent p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  | uninsured deposits leaving |
| 2012-09 | 9 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 8 |  | capital falling |
| 2013-03 | 7 |  | charge-offs p90 |
| 2013-06 | 7 |  |  |
| 2013-09 | 5 |  | losing money, uninsured deposits leaving |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 | capital falling, losing money | deposits shrinking, assets shrinking |
| 2014-06 | 5 |  |  |
| 2014-09 | 2 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | losing money |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2016-06 | 2 | losing money | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2016-09 | 2 | reserve under noncurrent | losing money |
| 2016-12 | 4 | losing money, charge-offs p90 |  |
| 2017-03 | 5 | capital falling |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking | capital falling |
| 2019-03 | 1 |  | losing money, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2019-06 | 3 | deposits shrinking, assets shrinking |  |
| 2019-09 | 1 |  | deposits shrinking, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  | reserve under noncurrent |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | capital falling, expense ratio p90 |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | losing money |  |

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

- 2024-06-18 [Great Southern Bank announces new hire and promotions - Meridian Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSGZGbHM3V2FfSHZhV0dqcHMzOFdFbnVQRWhCMGZ0Smw0Sm13Um4ydUI1ZFVtZW1GMWI5QW5nYno3cEVEOW9SampIZDltVFpGVUlaQk9qNXBDS3JvMnRJcnlHSlBhYllDbWMxUG1rVG93Sy1NSjFsSmtDc2NkRDlpSlN6VzBlb3BMR3V5b3A3by1FcnVD?oc=5) · Meridian Star
- 2022-01-26 [Bank OZK hires new market president in San Antonio - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOajJEczBBalpOZjlRNnR2MWVjX3FBZjFkbk80Z2N6RjNfeWFhdGQ5bWw0SU5RMW1USHNIaTNoazBETU5RcE4xZmRtYVNFbHZERFVPckV0eGlXUnZKR1VlVVZfb3Y0aGJRUTItNThOQXF3amhEbUd5LTc4ajhHREdHcUFKWm1JMmR6ek9iaUgxRXRNNDZ2eldheHB2aGV2Mk8tLTZPcjRiWWdyQjhkT2Rj?oc=5) · The Business Journals
- 2025-11-25 [OmniBSIC Bank: Setting New Standards in Ghana’s Banking Sector - International Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxQOXFKYS1wM1ZCVnktandPTTBXZXYzbmY0MG9vRUg2eTBaem4tVmlLTnJFeUt1Z3lqWEV5Z0p3cGdQSl9SY2xQSWoyM0NEa2xrdzJLdEl0alNJNlVickhNOFd1VUZOR01LYXBlNUs5bTJROGsxZUpCY0RlWUp0TWlacEdxbGxCWE16dzZzMkRaTnNnbnNPSzdqN05Vc0tPTkIyQlo0?oc=5) · International Banker
- 2017-03-03 [Access Bank’s Dolapo Ogundimu Voted Most Reputable Bank CEO In Ghana - Modern Ghana](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWUtpOEhxX2RGSnVOa1Z6MTBwYkpiRjJWekNpMUY3WWNMTWdZRE9TSEhkTmwwRXBsTHYzQU5LZVRqb1dXdXBnNGdNRVliUnlJc3p6WEVvWkpxOFRMUDk2NXB3VWE1eEJ0Z21vTXE2TVdPZFlfbUhyRWxtQXFucng5cUJDdXlhMnZjOGpWeFVXUGpKakFKbU02Xzl6d2tKSTF4Y25hX0N30gGkAUFVX3lxTE1VcEJTdC0yZ0p0dEprVERFZGN0cnpOS1VmOS1aSzZKWHlRNVp1SDNpTE53UGdxbHFsYVN1dEZEZEc5akh4eHBNRWdBVC1nSGR4aTlhNFlZd0drNWJrOFUyTkxyTl83SFVmN2xsaVdvYkhBVXZIcERfZzB0a3BnSll0T19LYk1CZzNTbXg3RUY1NFZsWkR1a0hkN2J3cGFJUUxWdnlM?oc=5) · Modern Ghana
- 2018-09-17 [OmniBank, Sahel Bank gets BoG nod to begin integration - Graphic Online](https://news.google.com/rss/articles/CBMigwFBVV95cUxNSEE2ODF5MGRPSnVYM2s4aEhxdzBxd0JEOFpmWjlTejA2Z0h6bFFIYnhweG1hcXFybUJXWVhqNzN0TU9SSTY2bGMwdzdjdXg5S1JPSU10N3JHdzBWX2V1SXBwUjB6aVVubjQ3em5wZlNmVkRfUlhpcUE5ZFlzQ0lESUpxVQ?oc=5) · Graphic Online
- 2019-01-24 [Ghana Amalgamated Trust names management team - Graphic Online](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMU5MSTYtckR4Zk9yRklTREtzaDlsNWZROWlFT1BRcnpUa2NudGc3SnlvRXdiZzR1cXFUZ1oydGhnS0xVMWtBdERqX0J4ckJXZ0lFU0xkU3NUQnRZbGdicDRaOTZVZjFwTzV0QTA1NkQwaFpfMFRJQjdyQVJaZDB6NDA2WnZPQm5mX2NDS01JS2xNVzM4dTN6cFl2NzhaZG52NVVFTENQdm54WkJzTzFJ?oc=5) · Graphic Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8871 (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/39.json (key "8871", 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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