One World Bank
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Data as of · sourced from FFIEC call reports. How we update
One World Bank is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 2005 (FDIC certificate 57901), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $290.1M, up 2.2% from Q2 2025, the 218th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57901
- Headquarters
- Dallas, TX
- Established
- 2005
- Total assets, Q2 2026
- $290.1M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 13.24%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111025123
- Latest call report
- Q2 2026, FFIEC 051 · One World Bank call report
- Holding company
- ONE WORLD HOLDING, INC.
- Asset rank in state
- 218th of 346 in Texas
One World Bank spends more to run itself than most banks of its size. Its balance sheet stood at $290 million at June 30, 2026, up 2.2% from a year earlier; it is based in Dallas, Texas. It loses about $1.01 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 2.77% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
It lost $719,000 in the quarter. Over the same year, loans grew 8.1% and deposits grew 4.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, One World Bank reported a return on assets of -1.01%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
One World Bank ranks as the 218th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $290.1M, loans rose 3.1% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.0% of total loans, ahead of owner-occupied commercial real estate loans at 31.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Dallas office books 65% of its branch deposits. Judged on its Q2 2026 call report, One World Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2449 Walnut Hill Ln, Dallas, TX 75229
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 4, 2005
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $245.0M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $5.2M
- Average total assets
- $286.2M
- Average total loans
- $225.2M
- Average interest-bearing deposits
- $174.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 4, 2005
- FDIC Cert
- 57901
- Fed RSSD
- 3296859
- SEC CIK
- 1325211 → filed by ONE WORLD HOLDING, INC.
- Website
- www.oneworldbank.com →
- Parent Holding Company
- ONE WORLD HOLDING, INC. (RSSD 3311109)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, One World Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
One World Bank's total assets moved between a low of $200.3M (Q3 2023) and a high of $308.6M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$290.1M total assets against $283.9M; $252.2M total liabilities against $245.7M.
$220.9M net loans and leases against $204.0M; $245.0M total deposits against $235.5M.
$15.5M securities against $20.7M; $44.9M cash and balances due against $51.9M.
$5.0M total interest income against $5.1M; $1.7M total interest expense against $1.9M.
$3.3M net interest income against $3.3M.
$810K total noninterest income against $406K; $2.6M total noninterest expense against $2.3M.
$2.4M provision for credit losses against $199K.
-$719K net income against $903K.
-1.01% return on assets against 1.28%; 4.73% net interest margin against 4.75%.
13.24% tier 1 leverage ratio against 13.53%.
Inside the full One World 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
One World Bank rankings
Its closest position to the top of a national ranking is 2,513 of 4,196, for total assets; its furthest is 3,571 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.69% (Q1 2026) to 1.63% (Q3 2024) and its net interest margin ran from 4.21% (Q1 2026) to 5.39% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.24% | -1.01% | 0.00% | 0.00% | 4.73% |
| Q1 2026 | 13.59% | -1.69% | 1.48% | 7.57% | 4.21% |
| Q4 2025 | 13.59% | 0.95% | 0.10% | 0.50% | 4.92% |
| Q3 2025 | 13.86% | 1.35% | 0.10% | 0.52% | 4.83% |
| Q2 2025 | 13.53% | 1.28% | 0.11% | 1.03% | 4.75% |
| Q1 2025 | 15.28% | 1.14% | 0.14% | 1.18% | 4.97% |
| Q4 2024 | 14.50% | 1.45% | 0.18% | 1.36% | 5.13% |
| Q3 2024 | 15.12% | 1.63% | 0.00% | 0.50% | 5.39% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| One World Bank (main office) | Dallas , TX | 75229 | $158.8M |
| Briar Forest Branch | Houston , TX | 77042 | $57.8M |
| One World Bank - Richardson Branch | Richardson , TX | 75080 | $14.5M |
| One World Bank - Aubrey Branch | Aubrey , TX | 76227 | $14.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action January 17, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 271 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $6.2M approved, $3.1M 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
- Mortgage lending (HMDA), 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 One World Bank
What are One World Bank's total assets?
As of the Q2 2026 filing, One World Bank reported total assets of $290.1 million in its FFIEC call report.
Where is One World Bank headquartered?
It is headquartered in Dallas, TX, United States.
When was One World Bank founded?
It was established in 2005, per the FDIC institution directory.
Is One World Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57901). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates One World Bank?
One World Bank's primary federal regulator is the FDIC.
How many branches does One World Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is One World Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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