BlastPoint's Banking Scorecard
New OMNI Bank, National Association
Community
Specialty: Commercial
CA
FDIC cert 23086
Alhambra, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
New OMNI Bank, National Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 30.63% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3% in Community
- - Liquidity Strain: Bottom 12% in Community
- - Deposit Outflow: Bottom 43% in Community
- - Delinquency Rate 7.83% above tier
- - Non-Interest-Bearing Deposit Share 11.99% below tier
- - Nonperforming Asset Ratio 5.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$520.1M
-2.2% YoY
-1.0% QoQ
|
-$871.3M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$359.7M
+0.7% YoY
-2.9% QoQ
|
-$615.8M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$381.3M
-2.7% YoY
-1.6% QoQ
|
-$783.3M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.66%
-30.3% YoY
-5.7% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.36%
+3.0% YoY
-2.2% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
75.89%
+16.3% YoY
+1.4% QoQ
|
+13.25% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
8.46%
+499.8% YoY
+76.4% QoQ
|
+7.83% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
94.35%
+3.5% YoY
-1.4% QoQ
|
+11.29% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
9.05%
-1.2% YoY
-5.0% QoQ
|
-11.99% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
5.85%
+327.4% YoY
+73.1% QoQ
|
+5.35% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
40.88%
-2.5% YoY
+4.2% QoQ
|
+30.63% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
-0.01%
-104.0% YoY
-171.5% QoQ
|
-0.75% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
40.88%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Liquidity Overhang
risk
#10 of 268 · Bottom 3% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
40.88%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
94.35%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Liquidity Strain
risk
#63 of 513 · Bottom 12% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.35%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#108 of 248 · Bottom 43% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
8.46%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
9.05%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.85%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Tier 1 Capital Ratio
Current: 40.88% · Tier avg: 10.24%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.35% · Tier avg: 83.06%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 75.89% · Tier avg: 62.63%
9
9th pctile
Total Loans
Current: $359.7M · Tier avg: $975.5M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 21.05%
3
3th pctile
Total Assets
Current: $520.1M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $381.3M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 8.46% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.85% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.85% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 8.46% · Tier avg: 0.63%
1
1th pctile
Total Deposits
Current: $381.3M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $520.1M · Tier avg: $1.4B
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 21.05%
9
9th pctile
Total Loans
Current: $359.7M · Tier avg: $975.5M
15
15th pctile
Efficiency Ratio
Current: 75.89% · Tier avg: 62.63%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.35% · Tier avg: 83.06%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
100
100th pctile
Tier 1 Capital Ratio
Current: 40.88% · Tier avg: 10.24%