BlastPoint's Banking Scorecard
Omb Bank
Community
Specialty: Commercial
MO
FDIC cert 8252
Springfield, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Omb Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.29% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+19.2% YoY
+5.2% QoQ
|
+$718.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.8B
+18.8% YoY
+2.4% QoQ
|
+$843.5M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.8B
+21.1% YoY
+5.9% QoQ
|
+$678.8M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.18%
+10.6% YoY
-0.4% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.71%
+9.7% YoY
-0.2% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
50.68%
-4.0% YoY
+0.6% QoQ
|
-11.95% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.81%
+10.3% YoY
-7.4% QoQ
|
+0.18% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
98.67%
-1.9% YoY
-3.3% QoQ
|
+15.61% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
7.75%
+7.1% YoY
+8.5% QoQ
|
-13.29% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.79%
+18.6% YoY
-11.7% QoQ
|
+0.29% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.03%
+6.9% YoY
+2.8% QoQ
|
-0.21% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.34%
-23.1% YoY
+33.4% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.75%
(Tier avg: 21.05%, National avg: 21.79%)
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
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Efficiency Ratio
Current: 50.68% · Tier avg: 62.63%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.03% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.67% · Tier avg: 83.06%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.75% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.75% · Tier avg: 21.05%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.67% · Tier avg: 83.06%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.03% · Tier avg: 10.24%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Efficiency Ratio
Current: 50.68% · Tier avg: 62.63%
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M