OMB Bank
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Data as of · sourced from FFIEC call reports. How we update
OMB Bank is an FDIC-insured commercial bank headquartered in Springfield, MO, established in 1883 (FDIC certificate 8252), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.36B, up 18.9% from Q2 2025, the 18th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.88% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8252
- Headquarters
- Springfield, MO
- Established
- 1883
- Total assets, Q2 2026
- $2.36B
- Assets vs Q2 2025
- +18.9%
- CET1 ratio, Q2 2026
- 9.88%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 086518891
- Latest call report
- Q2 2026, FFIEC 051 · OMB Bank call report
- Holding company
- JAMESMARK BANCSHARES, INC.
- Asset rank in state
- 18th of 191 in Missouri
OMB Bank pays more for its money than most banks of its size. Its balance sheet stood at $2.4 billion at June 30, 2026, up 18.9% from a year earlier; it is based in Springfield, Missouri. It pays an average of 3.31% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds common equity equal to 9.88% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Its $322 million non-owner-occupied commercial real estate book is improving, with 1.08% past due or on nonaccrual, down from 6.07% a year earlier. Earnings jumped: net income for the quarter was $7.9 million, 34% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, OMB Bank reported a CET1 capital ratio of 9.88%, a return on assets of 1.40%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 6.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, OMB Bank is the 18th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets rose 6.9% to $2.36B, loans rose 5.7% and deposits rose 7.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 15.8% of total loans, followed by non-owner-occupied commercial real estate loans at 15.6%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities across 2 states; its Springfield 3 offices book 70% of its branch deposits. On its Q2 2026 call report, OMB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3570 S National Ave, Springfield, MO 65807
- County
- Greene
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 13, 1883
- Former names
- Old Missouri Bank (2014-2023)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 242
- Domestic deposits
- $2.07B
- Allowance for credit losses
- $32.6M
- Net charge-offs (YTD)
- $425K
- Average total assets
- $2.25B
- Average total loans
- $1.99B
- Average interest-bearing deposits
- $1.78B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8252
- Fed RSSD
- 2785646
- SEC CIK
- 1671220 → filed by JAMESMARK BANCSHARES, INC.
- Website
- www.ombbank.com →
- Parent Holding Company
- JAMESMARK BANCSHARES, INC. (RSSD 2816803)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
OMB Bank's total assets moved between a low of $1.41B (Q3 2023) and a high of $2.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.36B total assets against $1.98B; $2.15B total liabilities against $1.82B.
$2.03B net loans and leases against $1.71B; $2.07B total deposits against $1.73B.
$13.4M securities against $22.7M; $248.6M cash and balances due against $179.8M.
$36.6M total interest income against $33.9M; $16.8M total interest expense against $16.9M.
$19.8M net interest income against $17.1M.
$2.8M total noninterest income against $1.8M; $10.4M total noninterest expense against $9.4M.
$2.5M provision for credit losses against $1.8M.
$7.9M net income against $5.9M.
1.40% return on assets against 1.22%; 3.59% net interest margin against 3.65%.
9.88% CET1 capital ratio against 9.61%; 9.16% tier 1 leverage ratio against 8.72%.
Inside the full OMB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
OMB Bank rankings
Its closest position to the top of a national ranking is 518 of 4,196, for total assets; its furthest is 2,107 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q1 2025) to 1.40% (Q2 2026) and its net interest margin ran from 3.43% (Q3 2024) to 3.81% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.40% | 0.83% | 6.34% | 3.59% |
| Q1 2026 | 9.92% | 1.22% | 0.66% | 5.28% | 3.54% |
| Q4 2025 | 10.03% | 1.17% | 0.79% | 6.29% | 3.65% |
| Q3 2025 | 9.76% | 1.25% | 0.86% | 7.24% | 3.81% |
| Q2 2025 | 9.61% | 1.22% | 0.86% | 6.98% | 3.65% |
| Q1 2025 | 9.47% | 1.08% | 0.78% | 5.88% | 3.53% |
| Q4 2024 | 9.38% | 1.18% | 0.72% | 5.11% | 3.60% |
| Q3 2024 | 9.62% | 1.14% | 0.84% | 5.99% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| OMB Bank (main office) | Springfield , MO | 65807 | $1.16B |
| Mt Vernon Branch | Mount Vernon , MO | 65712 | $215.4M |
| Republic Rd Branch | Springfield , MO | 65807 | $191.6M |
| Carthage Branch | Carthage , MO | 64836 | $141.0M |
| West Sunshine Branch | Springfield , MO | 65807 | $103.6M |
| Buffalo Branch | Buffalo , MO | 65622 | $100.3M |
| Ash Grove Branch | Ash Grove , MO | 65604 | $91.0M |
| Lenexa Ks Branch | Lenexa , KS | 66219 | $31.3M |
| Prairie Village Branch | Prairie Village , KS | 66208 | $28.0M |
| Walnut Grove Drive Thru Branch | Walnut Grove , MO | 65770 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 13, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2014 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 28, 2006, OCC: Formal Agreement: Old Missouri National Bank
- Period: Most recent institution action April 28, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in MO, rank 22 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 556 applications, 461 loans originated, $142.0M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 24 loans, $12.4M approved, $519K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about OMB Bank
What are OMB Bank's total assets?
As of the Q2 2026 filing, OMB Bank reported total assets of $2.36 billion in its FFIEC call report.
Where is OMB Bank headquartered?
It is headquartered in Springfield, MO, United States.
When was OMB Bank founded?
It was established in 1883, per the FDIC institution directory.
Is OMB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates OMB Bank?
OMB Bank's primary federal regulator is the Federal Reserve.
What is OMB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.88% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does OMB Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is OMB Bank's Texas Ratio?
Its Texas Ratio is 6.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was OMB Bank previously called?
The charter now named OMB Bank has also operated as Old Missouri Bank (2014-2023), per FDIC structure-change records.
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