Opportunity Bank, N.A.

1301 E. Campbell Road
Richardson, TX 75081
(469) 385-2800
www.oppbank.com

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Opportunity Bank, N.A. is headquartered in Richardson and is the 509^th largest bank in the state of Texas. It is also the 6,355^th largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 19 employees at 1 location. Opportunity Bank, N.A. has a 4-star health rating.

Opportunity Bank, N.A. Routing Number: 111925634

High-Yield Reward Checking Account at a Texas Bank (Opportunity) - 9/28/2007

Update 2/04/09: The top yield has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.Opportunity Bank, N.A. has started a reward checking account called Opportunity Reward which pays 4.01% APY on balances up to $25,000 (1.35% APY...

5.00% Money Market Account Guaranteed through June 2008 at a Texas Bank (Opportunity) - 9/2/2007

Opportunity Bank, N.A. is advertising a 5.00% APY money market account that's guaranteed to remain at 5% APY through June 30, 2008. The minimum deposit is $2,500, and the maximum deposit is $250,000. A Free Checking Account is required to receive the 5%...

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

Opportunity Bank, N.A. Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$20k	Opportunity Reward Checking
0.50%	$1,500	-	Now Checking
0.50%	$1,500	-	Now Checking - Non Profit
0.50%	$1,500	-	Now Checking - IOLTA

Opportunity Bank, N.A. Savings Account Rates

	Apy	Min	Max	Product
	0.40%	$200	-	Personal Savings

Opportunity Bank, N.A. Money Market Rates

Apy	Min	Max	Product
0.80%	$75k	-	Business Money Market
0.80%	$75k	-	Personal Money Market

Opportunity Bank, N.A. CD Rates

Apy	Min	Max	Product
1.45%	$1k	-	60 Month CD
1.10%	$1k	-	36 - 59 Month CD
0.85%	$1k	-	24 - 35 Month CD
0.50%	$1k	-	12 - 17 Month CD
0.50%	$1k	-	18 - 23 Month CD
0.25%	$1k	-	180 - 364 Day CD
0.15%	$1k	-	30 - 89 Day CD
0.15%	$1k	-	90 - 179 Day CD

Opportunity Bank, N.A. IRA Rates

Apy	Min	Max	Product
1.45%	$1k	-	60 Month IRA
1.10%	$1k	-	36 - 59 Month IRA
0.85%	$1k	-	24 - 35 Month IRA
0.50%	$1k	-	12 - 17 Month IRA
0.50%	$1k	-	18 - 23 Month IRA
0.25%	$1k	-	180 - 364 Day IRA
0.15%	$1k	-	30 - 89 Day IRA
0.15%	$1k	-	90 - 179 Day IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Opportunity Bank, National Association
FDIC Certificate #	58567
BankRate Report	View
Year Established	2007
Employees	19
Primary Regulator	OCC
Assets and Liabilities
Assets	$52.07 million
Loans	$31.12 million
Deposits	$43.19 million
Equity Capital	$8.07 million
Loan Loss Allowance	$512,000
Unbacked Noncurrent Loans	$589,000
Real Estate Owned	$193,000
Historic Data - September 2010
Assets	$65.35 million
Equity Capital	$10.61 million
Loan Loss Allowance	$373,000
Unbacked Noncurrent Loans	$2.01 million
Real Estate Owned	$1.00 million
Profit Margin - Quarterly
Net Interest Margin	5.43%
Return on Assets	-2.03%
Return on Equity	-13.4%
Interest Income	$2.33 million

Institution Health

Overall Score:

4 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 Opportunity Bank, N.A. had $782,000 in non-current loans and owned real-estate with $8.58 million in equity and loan loss allowances on hand to cover it. This gives Opportunity Bank, N.A. a Texas Ratio of 9.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Opportunity Bank, N.A. decreased significantly from 29.51% as of September 30, 2010 to 9.11% as of September 30, 2011, resulting in a positive change of 69.12%.This indicates that the balance sheet and financial strength for Opportunity Bank, N.A. has improved significantly in recent periods.
Deposit Growth
In the past year, Opportunity Bank, N.A. has decreased its total deposits by -$11.09 million, resulting in -20.43% 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 Opportunity Bank, 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. Opportunity Bank, N.A. has $52.07 million in assets with $8.58 million in equity, resulting in a capitalization level of 16.48%, which is excellent.

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Opportunity Bank, N.A.

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