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713-747-9000
4328 Old Spanish Trail
Houston, TX 77021

OMNIBANK, N.A. is headquartered in Houston and is the 192nd largest bank in the state of Texas. It is also the 2,258th largest bank in the nation. It was established in 1954 and as of December of 2013, it had grown to 82 employees at 10 locations. OMNIBANK, N.A. has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C-

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 OMNIBANK, N.A. had $21.65 million in non-current loans and owned real-estate with $34.93 million in equity and loan loss allowances on hand to cover it. This gives OMNIBANK, N.A. a Texas Ratio of 61.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for OMNIBANK, N.A. decreased slightly from 79.48% as of December 31, 2012 to 61.97% as of December 31, 2013, resulting in a positive change of 22.03%.This indicates that the balance sheet and financial strength for OMNIBANK, N.A. has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, OMNIBANK, N.A. has decreased its total deposits by -$24.12 million, resulting in -8.67% 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 below average.

Capitalization

GRADE:
A+

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 $285.24 million in assets with $34.93 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17325
Year Established1954
Employees82
Primary RegulatorOCC
Assets and Liabilities
Assets$285.24 million
Loans$165.27 million
Deposits$254.14 million
Equity Capital$29.66 million
Loan Loss Allowance$5.27 million
Unbacked Noncurrent Loans$14.50 million
Real Estate Owned$7.15 million
Historic Data - December 2012
Assets$311.80 million
Equity Capital$31.72 million
Loan Loss Allowance$6.31 million
Unbacked Noncurrent Loans$14.50 million
Real Estate Owned$12.32 million
Profit Margin - Quarterly
Net Interest Margin3.34%
Return on Assets-0.7%
Return on Equity-6.82%
Interest Income$10.10 million
Rates

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OMNIBANK, N.A. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%-$1kFamily Savings
0.20%-$1kHealth Savings
0.10%$100-Regular Savings
0.10%--Student Savings

OMNIBANK, N.A. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$250k$5mPresidential Money Market Savings
0.20%$100k-Premium Money Market Savings
0.15%$1k-Money Market Savings

OMNIBANK, N.A. Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-NOW Checking

OMNIBANK, N.A. CD Rates

DetailsAPYMINMAXPRODUCT
0.35%$1k$100k2 - 2 1/2 Year CD
0.35%$100k-2 Year Jumbo CD
0.25%$1k$100k1 to 2 year CD
0.25%$100k-365 Day Jumbo CD
0.20%$100k-360 Day Jumbo CD
0.15%$1k$100k182 - 364 Day CD
0.15%$100k-182 Day Jumbo CD
0.10%$1k$100k92 - 181 Day CD
0.10%$100k-91 Day Jumbo CD
0.10%$100k-120 Day Jumbo CD
0.10%$100k-150 Day Jumbo CD
0.05%$1k$100k7 - 31 Day CD
0.05%$1k$100k32 - 91 Day CD
0.05%$100k-14 Day Jumbo CD
0.05%$100k-31 Day Jumbo CD
0.05%$100k-60 Day Jumbo CD

OMNIBANK, N.A. IRA Rates

DetailsAPYMINMAXPRODUCT
0.35%$250$100k2 - 2 1/2 Year IRA
0.35%$100k-2 Year Jumbo IRA
0.25%$250-1 - 2 Year IRA
0.25%$100k-365 Day Jumbo IRA
0.20%$100k-360 Day Jumbo IRA
0.15%$250-182 - 364 Day IRA
0.15%$100k-182 Day Jumbo IRA
0.10%$250-92 - 181 Day IRA
0.10%$100k-91 Day Jumbo IRA
0.10%$100k-120 Day Jumbo IRA
0.10%$100k-150 Day Jumbo IRA
0.05%$250-7 - 31 Day IRA
0.05%$250-32 - 91 Day IRA
0.05%$100k-14 Day Jumbo IRA
0.05%$100k-31 Day Jumbo IRA
0.05%$100k-60 Day Jumbo IRA
Locations


OMNIBANK, N.A. Locations
Austin Bee Caves Branch11610 Bee Caves Road - Suite 100Austin, TX 78746
Omnibank San Antonio Branch1314 East Sonterra Boulevard, Suite 101San Antonio, TX 78258
Cedar Park Branch1861 South Lakeline Blvd.Cedar Park, TX 78613
Ominibank, Austin Branch3901-A Spicewood Springs RoadAustin, TX 78759
Greenspoint Branch397 North Belt EastHouston, TX 77205
Omnibank, National Association4328 Old Spanish TrailHouston, TX 77021
Wayside Branch4600 South Wayside DriveHouston, TX 77087
Lockhart BranchChurch and Market StreetsLockhart, TX 78644
Westchase BranchRichmond Avenue and Beltway 8Houston, TX 77042