Omb Bank

logo for Omb Bank

3570 S National Ave
Springfield, MO 65807
See all branch locations →

Phone (417) 869-9000

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD 5.08% 5.60% →
2-Year CD N.A. 4.90% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Omb Bank is an FDIC insured institution located in Springfield, MO. It was founded in 1883 and has approximately $1.51 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 8252
Date Established 1883
Assets $ 1,511.47 million
Loans $ 1,291.63 million
Deposits $ 1,282.23 million
Capital $ 124.66 million

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

Deposit Rates - April 23, 2024

Your Current Location: Virginia, VA 20146

12 Mo CD
5.08% $5,000 $250,000 Learn More

Checking Rates APY MIN FEE
OMB Rewards Checking 2.01% $0 $0.00 Learn MoreShow Less

Loan Rates - April 23, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Omb 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 2024

Lender APR Rate (%) Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625%
1.00 points
$6,400 fees
$2,049 Learn More
Tomo Mortgage, LLC
NMLS ID: 2059741
6.994% 6.875%
0.63 points
$3,885 fees
$2,103 Learn More
CrossCountry Mortgage
NMLS ID: 3029
7.111% 6.990%
0.75 points
$4,070 fees
$2,127 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375%
0.75 points
$2,400 fees
$2,211 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Omb Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Omb 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:

Omb Bank Locations

Climate Policy and Initiatives

Omb Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Add Your Review

or use your BestCashCow account


Financial Details

Omb Bank Ratio Analysis

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

Texas Ratio
Omb Bank U.S. Bank Average
4.67% 3.96%

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 December 31, 2024, Omb Bank had $6,577,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $124,660,000 in equity and $16,072,000 in loans loss reserves. That gives it a Texas Ratio of 4.67%.

Return on Equity
Omb Bank U.S. Bank Average
13.51% 12.20%

Omb Bank has a Return on Equity of 13.51% versus the BestCashCow average of 12.20%. 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.

Omb Bank U.S. Bank Average
8.25% 10.76%

Omb Bank has a Capitalization of 8.25% versus the BestCashCow average of 10.76. 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.

Omb Bank Balance Sheet Analysis

As of December 31, 2023, Omb Bank had assets of $1,511,465,000, loans of $1,291,632,000, and deposits of $1,282,234,000. 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

December 31, 2024
Cash & Balances due from depository institutions $ 131.15 million
Interest-bearing balances $ 120.05 million
Total securities $ 32.46 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,291.63 million
Loan loss allowance $ 16.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.25 million
All other assets $ 21.47 million
     Total Assets $ 1,386.81 million
Total deposits $ 1,282.23 million
      Interest-bearing deposits $ 1,187.76 million
      Deposits held in domestic offices $ 1,282.23 million
      % insured (estimated) 60.76%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 60.00 million
Subordinated debt N.A.
All other liabilities $ 3.99 million
      Total Liabilities $ 1,386.81 million
      Shareholders’ Equity $ 124.66 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 82.67 million
Total Interest Expense $ 38.63 million
Net interest income $ 44.03 million
Provision for loan and lease losses $ 4.67 million
Total non interest income $ 8.70 million
Total non interest expense $ 27.76 million
Pre-tax Net Operating Income $ 7.01 million

Bank Loan Profile?

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

Compared to other banks, Omb Bank’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.87
Credit Card Loans 0.00
Consumer Auto Loans 0.35
Small Business Loans 4.20
Construction and Development Loans 3.78
Commercial Real Estate 23.10
Commercial and Industrial Loans 11.04
Farm Loans 5.80

Omb Bank's History

For nearly 25 years, OMB has had a commitment to providing excellent service and building strong relationships. At OMB, you will experience community banking at its best. You will work directly with the experienced professionals as they listen and learn what banking products and services suit your needs. While we believe in old-fashioned customer support, we welcome new technologies that streamline our customers' day-to-day transactions and make your banking more convenient.

Customer Reviews for Omb Bank

There are currently no comments for Omb Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

or use your BestCashCow account


*Should any logos, images or public notes appear on this page,they do so courtesy of Omb Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.