BlastPoint's Banking Scorecard
One World Bank
Designations: ✓ Minority Depository Institution
Dallas, TX
4 branches across TX
One World Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.89% below tier average
- - Efficiency Ratio 11.09% above tier average
- - Delinquency Rate 0.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.7M
+3.5% YoY
-7.4% QoQ
|
-$100.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$213.5M
+7.1% YoY
+0.9% QoQ
|
-$42.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$239.7M
+5.9% YoY
-2.4% QoQ
|
-$88.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
-1.62%
-250.2% YoY
-239.4% QoQ
|
-2.89% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.8% in tier |
| Net Interest Margin ? |
4.09%
-14.7% YoY
-15.7% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
76.38%
+17.9% YoY
+14.2% QoQ
|
+11.09% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.51%
+931.1% YoY
|
+0.62% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
89.06%
+1.2% YoY
+3.4% QoQ
|
+12.42% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
28.12%
-2.6% YoY
-6.7% QoQ
|
+6.10% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.12%
+533.8% YoY
|
+0.49% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.59%
-11.1% YoY
+0.0% QoQ
|
-2.24% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.13%
+11.8% YoY
-74.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.