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2449 Walnut Hill Lane
Dallas, TX 75229

One World Bank is headquartered in Dallas and is the 405th largest bank in the state of Texas. It is also the 5,160th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 23 employees at 1 location. One World Bank has a C health rating.

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Health

Data for Q1 2014

Institution Health

C
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. One World Bank has a relatively low asset base.

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 One World Bank had $5.5 million in non-current loans and owned real-estate with $12.22 million in equity and loan loss allowances on hand to cover it. This gives One World Bank a Texas Ratio of 45.03% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for One World Bank increased slightly from 15.24% as of March 31, 2013 to 45.03% as of March 31, 2014, resulting in a negative change of 195.48%. This indicates that the balance sheet and financial strength for One World Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, One World Bank has decreased its total deposits by -$5.93 million, resulting in -8.42% 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 One World Bank 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. One World Bank has $82.16 million in assets with $12.22 million in equity, resulting in a capitalization level of 14.88%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57901
Year Established2005
Employees23
Primary RegulatorFDIC
Assets and Liabilities
Assets$82.16 million
Loans$51.02 million
Deposits$64.44 million
Equity Capital$10.17 million
Loan Loss Allowance$2.06 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$0
Historic Data - March 2013
Assets$88.19 million
Equity Capital$10.03 million
Loan Loss Allowance$3.21 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$43,000
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.74%
Return on Equity5.8%
Interest Income$721,000
Rates

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Locations


One World Bank Locations
One World Bank2449 Walnut Hill LaneDallas, TX 75229