OMNIBANK, N.A.

4328 Old Spanish Trail
Houston, TX 77021
(713) 747-9000
www.omnibank.com

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OMNIBANK, N.A. is headquartered in Houston and is the 137^th largest bank in the state of Texas. It is also the 1,869^th largest bank in the nation. It was established in 1954 and as of September of 2011, it had grown to 92 employees at 10 locations. OMNIBANK, N.A. 's savings rates are 25% higher than the national average, but it has a 2-star health rating.

Family Savings Account Rate Update (5% For First $1K) At OMNIBANK, NA In Texas - Local Only (Forum) - 8/27/2010

OMNIBANK, NA continues to offer competitive rates on its Family Savings Account and HSA: 5.00% APY up to $1,000 1.15% APY over $1,000 (had recently been 1.35%) The 5% for the first $1K makes this a good deal for those with small balances (About an e

High-Yield Savings Account (5% for first $1K) at OMNIBANK in Texas - Local Only - 11/27/2009

OMNIBANK, N.A. has a savings account called the Family Savings with some competitive rates. I saw it advertised yesterday with a 5% APY which made me suspicious. As I expected the 5% APY is only for balances up to $1,000. However, I was pleasantly...

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See Rates for: Checking | Savings | Money Market | CD | IRA

OMNIBANK, N.A. Checking Account Rates

Apy	Min	Max	Product
0.25%^†	$2k	-	TOPS Secondary Checking
0.20%^†	$1k	-	NOW Checking
0.20%^†	$1k	-	TOPS Primary Checking

OMNIBANK, N.A. Savings Account Rates

Apy	Min	Max	Product
0.80%^†	-	$1k	Family Savings
0.75%^†	-	$1k	Health Savings
0.40%^†	$100	-	Regular Savings
0.40%^†	-	-	Student Savings

OMNIBANK, N.A. Money Market Rates

Apy	Min	Max	Product
0.90%^†	$250k	$5m	Presidential Money Market Savings
0.30%^†	$100k	-	Premium Money Market Savings
0.20%^†	$1k	-	Money Market Savings

OMNIBANK, N.A. CD Rates

Apy	Min	Max	Product
0.90%^†	$1k	$98k	2 to 2 1/2 Years TOPS CD
0.80%^†	$1k	$98k	1 to 2 Years TOPS CD
0.65%^†	$1k	$100k	2 - 2 1/2 Year CD
0.60%^†	$100k	-	365 Day Jumbo CD
0.55%^†	$1k	$100k	1 - 2 year CD
0.50%^†	$100k	-	360 Day Jumbo CD
0.50%^†	$1k	$98k	182 - 364 Days TOPS CD
0.40%^†	$100k	-	182 Day Jumbo CD
0.40%^†	$1k	$98k	92 - 181 Days TOPS CD
0.35%^†	$1k	$98k	32 - 91 Days TOPS CD
0.30%^†	$1k	$98k	7 - 31 Days TOPS CD
0.25%^†	$1k	$100k	182 - 364 Day CD
0.25%^†	$100k	-	91 Day Jumbo CD
0.25%^†	$100k	-	120 Day Jumbo CD
0.25%^†	$100k	-	150 Day Jumbo CD
0.15%^†	$1k	$100k	92 - 181 Day CD
0.15%^†	$100k	-	60 Day Jumbo CD
0.10%^†	$1k	$100k	32 - 91 Day CD
0.10%^†	$100k	-	31 Day Jumbo CD
0.05%^†	$1k	$100k	7 - 31 Day CD
0.05%^†	$100k	-	14 Day Jumbo CD

OMNIBANK, N.A. IRA Rates

Apy	Min	Max	Product
0.65%^†	$250	-	2 - 2 1/2 Year IRA
0.60%^†	$100k	-	365 Day Jumbo IRA
0.55%^†	$250	-	1 - 2 Year IRA
0.50%^†	$100k	-	360 Day Jumbo IRA
0.40%^†	$100k	-	182 Day Jumbo IRA
0.25%^†	$250	-	182 - 364 Day IRA
0.25%^†	$100k	-	91 Day Jumbo IRA
0.25%^†	$100k	-	120 Day Jumbo IRA
0.25%^†	$100k	-	150 Day Jumbo IRA
0.15%^†	$250	-	92 - 181 Day IRA
0.15%^†	$100k	-	60 Day Jumbo IRA
0.10%^†	$250	-	32 - 91 Day IRA
0.10%^†	$100k	-	31 Day Jumbo IRA
0.05%^†	$250	-	7 - 31 Day IRA
0.05%^†	$100k	-	14 Day Jumbo IRA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

OMNIBANK, National Association
FDIC Certificate #	17325
BankRate Report	View
Year Established	1954
Employees	92
Primary Regulator	OCC
Assets and Liabilities
Assets	$349.93 million
Loans	$232.00 million
Deposits	$313.37 million
Equity Capital	$34.25 million
Loan Loss Allowance	$5.38 million
Unbacked Noncurrent Loans	$26.52 million
Real Estate Owned	$8.88 million
Historic Data - September 2010
Assets	$384.10 million
Equity Capital	$38.22 million
Loan Loss Allowance	$4.89 million
Unbacked Noncurrent Loans	$18.60 million
Real Estate Owned	$16.08 million
Profit Margin - Quarterly
Net Interest Margin	3.7%
Return on Assets	-0.74%
Return on Equity	-7.43%
Interest Income	$10.38 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
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 September 30, 2011 OMNIBANK, N.A. had $35.41 million in non-current loans and owned real-estate with $39.63 million in equity and loan loss allowances on hand to cover it. This gives OMNIBANK, N.A. a Texas Ratio of 89.34% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for OMNIBANK, N.A. held steady from 84.36% as of September 30, 2010 to 89.34% as of September 30, 2011, resulting in a negative change of 5.90%. This indicates that the balance sheet and financial strength for OMNIBANK, N.A. has held steady in recent periods.
Deposit Growth
In the past year, OMNIBANK, N.A. has decreased its total deposits by -$29.57 million, resulting in -8.62% 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 OMNIBANK, N.A. has shown is poor.
Capitalization
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. OMNIBANK, N.A. has $349.93 million in assets with $39.63 million in equity, resulting in a capitalization level of 11.33%, which is above average.