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New OMNI Bank, National Association

$100M-$1B Specialty: Commercial CA FDIC cert 23086

Designations: ✓ Minority Depository Institution

Alhambra, CA

4 branches across CA

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 53 in CA.
  • Deposits -0.0% year over year ($373.8M on the books).
  • Delinquency rate 7.82%.
  • Return on assets 0.70%.
  • Efficiency ratio 76.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.19% 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 53 in CA
View $100M-$1B leaderboard (CA) →

New OMNI Bank, National Association has 1 strength but faces 8 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

  • + Net Interest Margin 0.63% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 2.8% in tier
  • - Flatlined Growth: Bottom 30.2% in tier
  • - Delinquency Rate 6.90% above tier average
  • - Non-Interest-Bearing Deposit Share 12.93% below tier average
  • - Nonperforming Asset Ratio 5.04% above tier average
  • - Non-Interest Income / Assets 0.58% below tier average
  • - ROA 0.63% below tier average
  • - Efficiency Ratio 12.08% above tier average
Get updates when New OMNI Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $517.9M
+1.5% YoY +0.5% QoQ
+$131.4M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $378.2M
+7.7% YoY +0.6% QoQ
+$119.9M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $373.8M
-0.0% YoY +0.7% QoQ
+$47.0M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 0.70%
+32.0% YoY +63.5% QoQ
-0.63% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 4.62%
+10.0% YoY +13.5% QoQ
+0.63% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 76.56%
-5.6% YoY -8.5% QoQ
+12.08% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 7.82%
+135.6% YoY -24.2% QoQ
+6.90% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 0.6% in tier
Loan-to-Deposit Ratio ? 101.19%
+7.7% YoY -0.1% QoQ
+23.24% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ? 9.10%
+5.1% YoY +21.3% QoQ
-12.93% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 9.0% in tier
Nonperforming Asset Ratio ? 5.71%
+109.8% YoY -24.2% QoQ
+5.04% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 0.6% in tier
Tier 1 Capital Ratio ? 43.31%
+2.6% YoY +3.2% QoQ
+27.40% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 1.4% in tier
Non-Interest Income / Assets ? -0.02%
-275.4% YoY -273.6% QoQ
-0.58% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 0.3% 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 (CA) National Avg Tier Percentile
Noninterest-Bearing 9.1%
+0.4pp YoY
+1.6pp QoQ
 -13.0pp 22.1% 25.5% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 1.9%
+1.3pp YoY
+0.8pp QoQ
 -9.7pp 11.6% 11.8% 12.5% 6%
CRE 55.8%
+1.1pp YoY
-2.5pp QoQ
 +16.3pp 39.5% 67.5% 41.4% 79%
1-4 Family 43.7%
-2.4pp YoY
+1.7pp QoQ
 +11.1pp 32.6% 16.5% 31.3% 75%
Consumer 0.3%
+0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 5.3% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 30.4%
+1.7pp YoY
+1.0pp QoQ
 +11.6pp 18.8% 23.7% 19.7% 93%
Leverage Ratio 27.1%
+2.2pp YoY
+0.3pp QoQ
 +14.9pp 12.2% 14.5% 12.6% 98%
Total Capital Ratio 44.6%
+1.1pp YoY
+1.3pp QoQ
 +24.6pp 19.9% 25.1% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 73
+1 (+1.4%) YoY
-5 (-6.4%) QoQ
 +14 58 337 482 73%
Assets per Employee ($) $7.1M
+0.1% YoY
+7.4% QoQ
 -$423K $7.5M $11.3M $8.8M 54%
Branch Count 4
0 YoY
0 QoQ
 -1 4 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 1.5%
-0.1pp YoY
+0.8pp QoQ
 +1.2pp 0.3% 0.3% 0.4% 95%
Nonaccrual 6.3%
+4.6pp YoY
-3.3pp QoQ
 +5.4pp 0.9% 1.4% 1.0% 99%
Allowance Coverage 0.21x
-58.0% YoY
+31.8% QoQ
 -23.94x 24.15x 17.11x 20.23x 1%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 2.6%
+0.5pp YoY
+1.0pp QoQ
 -9.6pp 12.2% 8.2% 11.6% 7%
Cost of Funds (YTD) 2.4%
-0.6pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.9% 1.7% 88%
Net Income ($, YTD) $1.8M
+30.4% YoY
— QoQ
 -$753K $2.6M $28.5M $40.4M 48%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#22 of 742 • Bottom 2.8% 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: 43.31%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 101.19%
(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

Flatlined Growth

risk
#161 of 529 • Bottom 30.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.70%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (3 metrics)

37
Tier 1 Capital Ratio
capital
Value: 43.31%
Peer Median: 15.91%
#37 of 2643 Top 1.4% in $100M-$1B
447
Net Interest Margin
profitability
Value: 4.62%
Peer Median: 3.99%
#447 of 2643 Top 16.9% in $100M-$1B
613
Total Loans
size
Value: $378.21M
Peer Median: $258.35M
#613 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (7 metrics)

2636
Non-Interest Income / Assets
revenue_mix
Value: -0.02%
Peer Median: 0.57%
#2636 of 2643 Bottom 0.3% in $100M-$1B
2628
Nonperforming Asset Ratio
credit_quality
Value: 5.71%
Peer Median: 0.67%
#2628 of 2643 Bottom 0.6% in $100M-$1B
2617
Delinquency Rate
credit_quality
Value: 7.82%
Peer Median: 0.92%
#2617 of 2633 Bottom 0.6% in $100M-$1B
2418
Loan-to-Deposit Ratio
liquidity
Value: 101.19%
Peer Median: 77.95%
#2418 of 2643 Bottom 8.6% in $100M-$1B
2407
Non-Interest-Bearing Deposit Share
funding
Value: 9.10%
Peer Median: 22.03%
#2407 of 2643 Bottom 9.0% in $100M-$1B
2168
Efficiency Ratio
profitability
Value: 76.56%
Peer Median: 64.48%
#2168 of 2643 Bottom 18.0% in $100M-$1B
2144
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2144 of 2643 Bottom 18.9% in $100M-$1B
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