BlastPoint's Banking Scorecard
New OMNI Bank, National Association
Designations: ✓ Minority Depository Institution
Alhambra, CA
4 branches across CA
New OMNI Bank, National Association has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.4% in tier
- - Efficiency Drag: Bottom 9.7% in tier
- - Deposit Outflow: Bottom 20.0% in tier
- - Capital Constraint: Bottom 93.5% in tier
- - Delinquency Rate 9.42% above tier average
- - Non-Interest-Bearing Deposit Share 14.52% below tier average
- - Nonperforming Asset Ratio 6.89% above tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$515.3M
-2.9% YoY
-0.9% QoQ
|
+$129.2M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$376.0M
+7.8% YoY
+4.5% QoQ
|
+$120.3M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$371.2M
-4.7% YoY
-2.6% QoQ
|
+$43.3M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
0.43%
-33.9% YoY
-35.0% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.3% in tier |
| Net Interest Margin ? |
4.07%
-0.4% YoY
-6.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
83.62%
+10.0% YoY
+10.2% QoQ
|
+18.34% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate ? |
10.31%
+477.7% YoY
+21.9% QoQ
|
+9.42% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.2% in tier |
| Loan-to-Deposit Ratio ? |
101.28%
+13.1% YoY
+7.3% QoQ
|
+24.64% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.50%
-7.6% YoY
-17.1% QoQ
|
-14.52% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.5% in tier |
| Nonperforming Asset Ratio ? |
7.52%
+371.4% YoY
+28.6% QoQ
|
+6.89% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.2% in tier |
| Tier 1 Capital Ratio ? |
41.99%
-2.5% YoY
+2.7% QoQ
|
+26.15% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 1.5% in tier |
| Non-Interest Income / Assets ? |
0.01%
+328.3% YoY
+188.8% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.7% in tier |
Get Full Access to New OMNI Bank, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.