One World Bank: how it compares with its peers
Against 140 TX banks with half to twice its assets, One World Bank's strongest measure in Q2 2026 is net interest margin (4.39% vs. a 4.20% peer median). Its weakest relative measure is return on assets (-1.30% vs. 1.44%).
| Measure | One World Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.30% | 1.44% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 4.20% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.19% | 61.21% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.7M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.14% | 67.34% | Context |
What it means for lending operations
Its efficiency ratio of 69.19% is above the 61.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Interstate Bank Perryton, TX · $288M
- Charter Bank Corpus Christi, TX · $292M
- Coleman County State Bank Coleman, TX · $295M
- Arrowhead Bank Llano, TX · $295M
- Victory Bank Lubbock, TX · $285M
- The Jacksboro National Bank Jacksboro, TX · $283M
Questions about One World Bank
How big is One World Bank?
One World Bank, established in 2005, is headquartered in Dallas, TX. It reported $290M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is One World Bank's return on assets?
-1.30% annualized in Q2 2026, against a 1.44% median for 140 TX banks with half to twice its assets, ahead of 1% of them.
What is One World Bank's efficiency ratio?
69.19% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is One World Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.