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One World Bank

$100M-$1B Specialty: Commercial TX FDIC cert 57901

Designations: ✓ Minority Depository Institution

Dallas, TX

4 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 +4.1% year over year ($245.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -1.30%.
  • Efficiency ratio 69.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.14% 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) →

One World Bank has 3 strengths but faces 3 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.41% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 32.0% in tier
  • - Return on Assets 2.63% below tier average
  • - Efficiency Ratio 4.71% above tier average
Get updates when One World 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 ? $290.1M
+2.2% YoY +1.5% QoQ
-$96.5M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $220.9M
+8.3% YoY +3.5% QoQ
-$37.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $245.0M
+4.1% YoY +2.2% QoQ
-$81.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? -1.30%
-209.5% YoY +19.5% QoQ
-2.63% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 1.0% in tier
Net Interest Margin ? 4.39%
-9.2% YoY +7.5% QoQ
+0.41% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 69.19%
+8.0% YoY -9.4% QoQ
+4.71% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 90.14%
+4.1% YoY +1.2% QoQ
+12.19% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 27.21%
-3.0% YoY -3.3% QoQ
+5.18% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.24%
-2.1% YoY -2.6% QoQ
-2.67% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.41%
+59.2% YoY +215.3% QoQ
-0.16% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 14.3% 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 (TX) National Avg Tier Percentile
Noninterest-Bearing 27.2%
-0.8pp YoY
-0.9pp QoQ
 +5.1pp 22.1% 29.2% 22.2% 74%
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 2.9%
-3.9pp YoY
-1.7pp QoQ
 -8.7pp 11.6% 14.8% 12.5% 9%
CRE 97.0%
+4.6pp YoY
+2.5pp QoQ
 +57.5pp 39.5% 48.4% 41.4% 100%
1-4 Family 0.3%
-2.1pp YoY
-1.3pp QoQ
 -32.4pp 32.6% 25.8% 31.3% 0%
Consumer 0.2%
+0.1pp YoY
+0.1pp QoQ
 -3.9pp 4.1% 4.7% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 13.2%
-0.3pp YoY
-0.3pp QoQ
 +1.1pp 12.2% 12.6% 12.6% 77%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 48
+6 (+14.3%) YoY
+4 (+9.1%) QoQ
 -11 58 186 482 50%
Assets per Employee ($) $6.0M
-10.6% YoY
-6.9% QoQ
 -$1.5M $7.5M $10.1M $8.8M 34%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 4.7%
+4.7pp YoY
+0.7pp QoQ
 +4.6pp 0.1% 0.1% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE -9.9%
-18.4pp YoY
+2.3pp QoQ
 -22.1pp 12.2% 13.2% 11.6% 1%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 88%
Net Income ($, YTD) $-1922000.0
-218.6% YoY
— QoQ
 -$4.5M $2.6M $15.9M $40.4M 1%

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 (1)

Liquidity Strain

risk
#222 of 691 • Bottom 32.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.14%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
380
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#380 of 2643 Top 14.3% in $100M-$1B

Top Weaknesses (1 metrics)

2617
Return on Assets
profitability
Value: -1.30%
Peer Median: 1.32%
#2617 of 2643 Bottom 1.0% in $100M-$1B
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