OmniAmerican Bank is headquartered in Fort Worth and is the 33rd largest bank in the state of Texas. It is also the 484th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 281 employees at 15 locations. OmniAmerican Bank has a A health rating.
1 star is being very generous.I have never been treated subhuman until trying to remove deposits from this establishment. Three trips to sign their papers, misleading and false statements, so far two copies of my driver license (careful or they forget? to give it back). An additional trip is still required according to this place. Stay away if you might have a future need for your funds .
Horrible people all around. I had overdrawn acct by .17 cents... $35 overdraft fee. Would not remove it for ANYTHING. Been a customer for over 10 years and only had 1 other draft fee removed years ago. Lady was a B about it.
My mom banks w/Frost and had 8 overdraft fees. She called them and asked if they could help her because she's having a hard time financially. They saw she had been a customer for a long time and revoed SEVEN of the EIGHT fees. That's a bank that cares.
Omni is only in it to take your money. They're worse than Bank of America... that's bad. ( I should know, I have BOA now.)
I must have called 25 times regarding my car loan and NEVER received a call back! 3 separate trips to the branch in White Settlement! Disorganized and poor customer service!
Horrible experience!! After paying off a 4 year car loan the title was mailed to my old address even after confirming my new address while making the final payment. They then tell me they will mail a "release of lien" and that I will have to pay for a new title. Left message after message with no return calls from customer service rep. Stay Away from these folks they are disorganized and dont follow up.
It was my first car loan with OmniAmerican bank. I refinanced my loan with my bank with in 1 day my bank mail off a payoff check to OmniAmerican and OmniAmerican did not post the check to my account for a whole month. I called and talked to customer services rep time after time, no one had a clue where my check was then they found the check, and Mrs.Coleman had never posted the check. So my account could be closed. I called and left message after message, she never returned my calls. Hell, No I will never ever do business with OmniAmerican bank again, and I will make sure I tell all my family and friends never to do business with OmniAmerican.
DO NOT HAVE AN ACCOUNT NOR HAVE I EVER HAD AN ACCOUNT WITH THESE PEOPLE, BUT THE BAD REVIEWS IS ENOUGH TO CONVINCE ME NOT TO HAVE ONE. I HAD CONSIDERED A CD INVESTMENT, BUT THANKS TO ALL THE REVIEWS, I WON'T HAVE TO.
WORST BANK EVER!!!! Horrible customer service! Took me an hour to just find out my payoff on a car loan. Very unorganized bank, gives me no faith in our banking system. Over paid on a car note, and they couldn't even tell me how much money I was getting back. TOTAL IGNORAMUSES!!! You are a bank, you should be able to tell me the exact dollar amount I should be getting back! DO NOT BANK THERE!!!!!
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 OmniAmerican Bank had $4.45 million in non-current loans and owned real-estate with $196.15 million in equity and loan loss allowances on hand to cover it. This gives OmniAmerican Bank a Texas Ratio of 2.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for OmniAmerican Bank decreased dramatically from 6.49% as of December 31, 2012 to 2.27% as of December 31, 2013, resulting in a positive change of 65.01%.This indicates that the balance sheet and financial strength for OmniAmerican Bank has improved dramatically in recent periods.
In the past year, OmniAmerican Bank has decreased its total deposits by -$2.52 million, resulting in -0.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth OmniAmerican Bank has shown is average.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. OmniAmerican Bank has $1.39 billion in assets with $196.15 million in equity, resulting in a capitalization level of 14.10%, which is excellent.
|FDIC Certificate #||58050|
|Assets and Liabilities|
|Equity Capital||$189.70 million|
|Loan Loss Allowance||$6.45 million|
|Unbacked Noncurrent Loans||$4.28 million|
|Real Estate Owned||$177,000|
|Historic Data - December 2012|
|Equity Capital||$187.70 million|
|Loan Loss Allowance||$6.90 million|
|Unbacked Noncurrent Loans||$4.28 million|
|Real Estate Owned||$4.77 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.38%|
|Return on Assets||0.58%|
|Return on Equity||4.1%|
|Interest Income||$48.84 million|
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|0.05%||$250||-||Rocky Raccoon Savings Club|
|0.05%||$250||-||Roth IRA Savings|
|0.30%||$500k||-||Money Market Account|
|0.30%||$500k||-||Money Market Business Savings|
|0.15%||$50k||-||Business Interest Checking|
|0.15%||$100k||-||Relationship Checking with Interest|
|1.85%||$1k||-||60 Month Certificate|
|1.85%||$1k||-||Business 60 Month Certificate|
|1.05%||$1k||-||36 Month Certificate|
|1.05%||$1k||-||Business 36 Month Certificate|
|1.05%||$1k||-||48 Month Certificate|
|1.05%||$1k||-||Business 48 Month Certificate|
|0.80%||$1k||-||24 Month Certificate|
|0.80%||$1k||-||Business 24 Month Certificate|
|0.50%||$1k||-||12 Month Certificate|
|0.50%||$1k||-||Business 12 Month Certificate|
|0.30%||$2,500||-||6 Month Certificate|
|0.30%||$2,500||-||Business 6 Month Certificate|
|1.85%||$1k||-||60 Month IRA Certificate (Traditional,Roth,CESA)|
|1.05%||$1k||-||48 Month IRA Certificate (Traditional,Roth,CESA)|
|1.05%||$1k||-||36 Month IRA Certificate (Traditional,CESA,Roth)|
|0.80%||$1k||-||24 Month IRA Certificate (Traditional,CESA,Roth)|
|0.50%||$1k||-||12 Month IRA Certificate (Traditional,CESA,Roth)|