OBA Bank

Headquarters

20300 Seneca Meadows Parkway
Germantown, MD 20876
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

OBA Bank is an FDIC insured institution located in Germantown, MD. It was founded in 1861 and has approximately $0.4 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27889
Date Established 1861
Assets $ 401.78 million
Loans $ 304.43 million
Deposits $ 307.97 million
Capital $ 64.75 million
 

For a more detailed analysis of OBA Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for OBA Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

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2.664% 2.625% 0.50 $1,290 $1,005 Learn More
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Featured - Virginia Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to OBA Bank
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Branches

OBA Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


OBA Bank Locations


Financial Details

OBA Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of OBA Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
OBA Bank U.S. Bank Average
6.14% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, OBA Bank had $4,192,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $64,751,000 in equity and $3,555,000 in loans loss reserves. That gives it a Texas Ratio of 6.14%.

Return on Equity
OBA Bank U.S. Bank Average
0.93% 7.80%

OBA Bank has a Return on Equity of 0.93% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
OBA Bank U.S. Bank Average
16.12% 12.68%

OBA Bank has a Capitalization of 16.12% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

OBA Bank Balance Sheet Analysis

As of June 30, 2014, OBA Bank had assets of $401,520,000, loans of $304,427,000, and deposits of $307,966,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 304.43 million
Loan loss allowance $ 3.56 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 307.97 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 401.78 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in OBA Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Maryland, OBA Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.88
Multifamily
Mortgages
2.34
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 11.86
Construction and Development Loans 9.40
Commercial Real Estate 40.90
Commercial and Industrial Loans 13.14
Farm Loans 0.00

Frequently Asked Questions About Oba Bank

Branches and Savings

Is Oba Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27889.

Why does Oba Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Oba Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Oba Bank a commercial bank?

Yes

Where are Oba Bank locations?

See branch locations nearby.

Is Oba Bank open on Saturdays?

Is Oba Bank open on Sundays?

What time does Oba Bank open?

What time does Oba Bank close?

Are Oba Bank ATMs Open 24/7?

Do Oba Bank ATMs accept cash deposits?

Can Oba Bank customers use other ATMs?

Do Oba Bank branches have notaries?

Will Oba Bank notarize my document?

What address for Oba Bank should I put for incoming ACH transfers?

Will the Oba Bank branch print checks?

Do Oba Bank checks expire?

Does Oba Bank require US citizenship to open account?

Can Oba Bank close my account?

Does Oba Bank Report to credit bureaus?

Does Oba Bank Use Equifax?

What is Oba Bank's ACH Routing Number?

What is Oba Bank's SWIFT code?

Products

Does Oba Bank offer mortgages?

Compare mortgage rates here.

Does Oba Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oba Bank offer personal loans?

Compare personal loan rates here.

Does Oba Bank offer student loans?

Will Oba Bank cash a check?

Will Oba Bank redeem a savings bond?

Does Oba Bank cash savings bonds?

Will Oba Bank cash money orders?

Can Oba Bank issue a money order?

Does Oba Bank do currency exchange?

Background on The Bank

Who owns Oba Bank?

How long has Oba Bank been around?

Can Oba Bank transfer to other banks?

Does Oba Bank have quick pay?

Does Oba Bank accept rolled coins?

Will Oba Bank accept loose change?

Where is Oba Bank headquarters?

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