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Global One Bank

$100M-$1B Specialty: Commercial TX FDIC cert 11570

Designations: ✓ Minority Depository Institution

Houston, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +19.1% year over year ($274.5M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.14%.
  • Efficiency ratio 65.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Global One Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 44.6% in tier
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 32.3% in tier
  • - Credit Quality Pressure: Bottom 37.1% in tier
  • - Margin Compression: Bottom 44.3% in tier
  • - Efficiency Ratio 1.38% above tier average
Get updates when Global One Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $333.2M
+17.5% YoY +5.1% QoQ
-$53.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $244.9M
+16.6% YoY -2.0% QoQ
-$13.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $274.5M
+19.1% YoY +6.0% QoQ
-$52.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.14%
-28.3% YoY +463.7% QoQ
-0.18% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 4.03%
-0.8% YoY +5.6% QoQ
+0.05% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 65.86%
+35.5% YoY -25.1% QoQ
+1.38% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.27%
+2.0% QoQ
-0.65% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 89.21%
-2.0% YoY -7.5% QoQ
+11.26% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 11.75%
+6.5% YoY +8.9% QoQ
-10.28% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 14.0% in tier
Nonperforming Asset Ratio ? 0.20%
-4.9% QoQ
-0.47% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 18.38%
-3.4% YoY +2.7% QoQ
+2.47% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.58%
-28.8% YoY +385.3% QoQ
+0.02% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 7.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 11.8%
+0.7pp YoY
+1.0pp QoQ
 -10.4pp 22.1% 29.2% 22.2% 14%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 6.6%
+2.5pp YoY
+1.0pp QoQ
 -4.9pp 11.6% 14.8% 12.5% 30%
CRE 72.5%
+0.1pp YoY
-0.5pp QoQ
 +33.0pp 39.5% 48.4% 41.4% 94%
1-4 Family 18.4%
-1.9pp YoY
-0.2pp QoQ
 -14.3pp 32.6% 25.8% 31.3% 26%
Consumer 1.3%
+0.4pp YoY
0.0pp QoQ
 -2.8pp 4.1% 4.7% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 18.4%
-0.7pp YoY
+0.5pp QoQ
 -0.4pp 18.8% 22.7% 19.7% 72%
Leverage Ratio 14.5%
-0.6pp YoY
+0.2pp QoQ
 +2.3pp 12.2% 12.6% 12.6% 84%
Total Capital Ratio 19.6%
-0.7pp YoY
+0.5pp QoQ
 -0.3pp 19.9% 23.8% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 38
+5 (+15.2%) YoY
+1 (+2.7%) QoQ
 -21 58 186 482 39%
Assets per Employee ($) $8.8M
+2.0% YoY
+2.4% QoQ
 +$1.3M $7.5M $10.1M $8.8M 77%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 36%
Allowance Coverage 4.53x
0.0% QoQ
 -19.62x 24.15x 18.82x 20.23x 68%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 6.8%
-1.9pp YoY
+5.6pp QoQ
 -5.4pp 12.2% 13.2% 11.6% 20%
Cost of Funds (YTD) 3.0%
-0.5pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.6% 1.7% 98%
Net Income ($, YTD) $1.8M
-9.8% YoY
— QoQ
 -$718K $2.6M $15.9M $40.4M 49%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#296 of 661 • Top 44.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.14%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (3)

Liquidity Overhang

risk
#241 of 742 • Bottom 32.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.38%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.21%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#467 of 1256 • Bottom 37.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Margin Compression

decline
#137 of 307 • Bottom 44.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.14%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

186
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#186 of 2643 Top 7.0% in $100M-$1B
467
Tier 1 Capital Ratio
capital
Value: 18.38%
Peer Median: 15.91%
#467 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (1 metrics)

2275
Non-Interest-Bearing Deposit Share
funding
Value: 11.75%
Peer Median: 22.03%
#2275 of 2643 Bottom 14.0% in $100M-$1B
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