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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Omb Bank

Springfield, Missouri · $2.36B in assets · beside the 11 other Missouri banks between $1B and $3B

The filing

99.6%
Loans / deposits
10th of 12
8.8%
Equity / assets
10th of 12
47.3%
Efficiency
3rd of 12

Omb Bank is the third largest of the 12 Missouri banks nearest its size between $1B and $3B, with $2.36B in assets at 30 June 2026. Loans are 99.6% of deposits, 10th of 12 against a median of 95.0%, and equity is 8.8% of assets, 10th of 12. Loans grew +18.3% in the year, 5th of 12, and deposits grew 19.6%; the cohort's median loan growth is +8.4%.

Noncurrent loans are 0.83% of the book, 7th of 12 against a median of 0.78%; 0.47% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 33.7% of loans, 6th of 12 against a median of 33.7%, and 298% of capital, below the 300% screen, with construction at 97% against the 100% screen.

Return on assets is 1.28%, 7th of 12 against a median of 1.42%, on an efficiency ratio of 47.3%, 3rd of 12. Five years ago it was 1.36%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsMO banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 95.0% LB Lead Bank 46.1% NV Nodaway Valley Bank 74.2% HN HNB National Bank 75.0% SB Sterling Bank 78.2% HB Hawthorn Bank 93.1% CC Cass Commercial Bank 94.3% LB Legacy Bank & Trust Co. 95.7% SB Sullivan Bank 96.9% GB Guaranty Bank 97.6% OB Omb Bank 99.6% BB BTC Bank 107.0% FB First Bank of the Lake 107.3%
Loans, year over yearMO banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.4% BB BTC Bank +37.5% HN HNB National Bank +36.6% LB Lead Bank +26.7% FB First Bank of the Lake +20.7% OB Omb Bank +18.3% SB Sullivan Bank +11.6% NV Nodaway Valley Bank +5.1% SB Sterling Bank +1.5% CC Cass Commercial Bank +0.5% GB Guaranty Bank +0.0% HB Hawthorn Bank -3.2% LB Legacy Bank & Trust Co. -6.7%

SBA 7(a), FY2008 to FY2026

Omb Bank is the 24th largest 7(a) lender into Missouri of 444, with $66M across 101 loans, 0.9% of everything approved in the state (Oakstar Bank leads with $556M). 3 of its 21 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Greene, MO$24M7th of 803.0%+4.8 pts
Jasper, MO$12M5th of 585.3%+12.3 pts
Lawrence, MO$7M3rd of 2811.0%+6.7 pts
Barton, MO$5M2nd of 1414.2%quiet FY2021
Dade, MO$5M2nd of 1027.6%thin
Christian, MO$4M12th of 521.9%thin
Benton, AR$3M25th of 900.7%quiet FY2019
Miller, MO$3M5th of 1910.3%thin
Johnson, KS$2M87th of 1850.2%thin
Webster, MO$2M9th of 294.9%-15.2 pts
Hickory, MO$1M2nd of 718.6%-61.3 pts
Dallas, MO$1M4th of 157.0%thin
Howell, MO$900K4th of 204.6%thin
8 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Arts, entertainment & recreation21$18M25.2%0.13%137th of 1,656
Wholesale trade8$9M12.2%0.03%315th of 1,651
Manufacturing12$8M11.5%0.02%523rd of 2,246
Retail trade19$8M11.0%0.01%549th of 2,589
Construction8$7M9.4%0.02%470th of 2,063
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Omb Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans OB Omb Bank 0.9% $66M · 101 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Omb BankRankCohort median
Total CRE against capital, the 300% screen298%9th of 12192%
Construction against capital, the 100% screen97%8th of 1267%
Construction and land development, share of loans10.9%8th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans15.6%9th of 1210.3%
Total CRE, the guidance definition, share of loans33.7%6th of 1233.7%
CRE growth over 36 months, the third prong+43.1%8th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lead Bank$2.76B1.6%80.8%3.26%0.87%2.3%46.1%8.8%
Guaranty Bank$2.38B0.9%60.8%0.88%0.00%1.5%97.6%16.5%
Omb Bank$2.36B1.3%47.3%0.83%0.04%1.6%99.6%8.8%
First Bank of the Lake$2.34B0.8%62.6%3.70%0.61%0.7%107.3%7.3%
BTC Bank$1.91B0.8%67.7%0.72%0.00%1.2%107.0%9.1%
Legacy Bank & Trust Co.$1.85B1.2%55.5%1.47%0.00%1.2%95.7%12.3%
Hawthorn Bank$1.76B1.6%58.6%0.47%0.03%1.5%93.1%10.6%
Nodaway Valley Bank$1.62B2.1%52.9%0.00%-0.04%1.3%74.2%9.2%
Sterling Bank$1.56B1.6%52.3%0.35%0.02%1.3%78.2%11.2%
Sullivan Bank$1.40B1.1%54.5%1.45%0.01%1.2%96.9%8.6%
Cass Commercial Bank$1.33B2.2%36.2%0.16%0.00%1.3%94.3%14.6%
HNB National Bank$1.31B2.2%45.0%0.06%0.00%1.1%75.0%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Omb BankCohort median
20212026Change20212026Change
Loans$637M$2.06B+223%$665M$1.30B+96%
Deposits$577M$2.07B+258%$603M$1.48B+146%
NPA / loans0.62%0.83%+0.21 pts0.13%0.78%+0.65 pts
Efficiency51.6%47.3%-4.3 pts51.4%55.0%+3.6 pts
ROA1.36%1.28%-0.08 pts1.38%1.42%+0.03 pts

This read was prepared for Omb Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Omb Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $1B to $3B
Institution www.ombbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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