OBA Bank in Germantown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • OBA Bank in Germantown, Maryland (MD)
  • Show street view No street view available for this location

OBA Bank - Overview

  • General
  • FDIC Certificate #: 27889
    Status: Active
    Federal Reserve ID: 648671
    Date Established: June 01, 1861
    WWW: http://www.obabank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 489
    FDIC's unique #: 40723
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 05, 1950
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 20300 Seneca Meadows Parkway, Germantown, MD 20876
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Bethesda-Rockville-Frederick, MD (#13644)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $382.0 mil
    Equity capital: $59.8 mil
    Deposits held in domestic offices: $264.6 mil
    Return on assets (ROA): 0.15% ($0.6 mil)
    Quarterly return on assets: 0.12% ($0.5 mil)
    Return on Equity (ROE): 0.93% ($0.6 mil)
    Quarterly return on equity: 0.79% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.20% ($764.1 mil)
    Quarterly Pretax return on assets: 0.17% ($649.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $382,028Total assets
  • $27,354Cash and due from depository institutions
  • $23,663Interest-bearing balances
  • $43,298Securities
  • $10,608Federal funds sold & reverse repurchase agreements
  • $278,971Net loans & leases
  • $2,529Loan loss allowance
  • $0Trading account assets
  • $6,344Bank premises and fixed assets
  • $74Other real estate owned
  • $83Goodwill and other intangibles
  • $382,028Life insurance assets
  • $15,296All other assets
  • $322,253Total liabilities and capital
  • $264,621Total liabilities
  • $233,716Total deposits
  • $264,621Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 5000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,673Trading liabilities
  • $0Other borrowed funds
  • $1,959Subordinated debt
  • $59,775All other liabilities
  • $59,775Total equity capital
  • $59,775Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $23,125Surplus
  • $36,649Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,624Income earned, not collected on loans
  • $0Earning assets
  • $1,163Long-term assets (5+ years)
  • $356,540Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $375,102Volatile liabilities
  • $389,401Insider loans
  • $252,541FHLB advances
  • $380,919Loans and leases held for sale
  • $8,751Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $59,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $75,316Restructured Loans and leases
  • $227Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,970Total interest income
  • $4,235Total interest expense
  • $11,735Net interest income
  • $712Provision for loan and lease losses
  • $1,042Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $6Trading account gains & fees
  • $909Additional noninterest income
  • $11,331Total noninterest expense
  • $7,133Salaries and employee benefits
  • $1,585Premises and equipment expense
  • $2,613Additional noninterest expense
  • $734Pre-tax net operating income
  • $0Securities gains (losses)
  • $182Applicable income taxes
  • $552Income before extraordinary items
  • $0Extraordinary gains - net
  • $552Net income attributable to bank
  • $0Net charge-offs
  • $552Cash dividends
  • $352Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 0.93%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 202.27%Credit loss provision to net charge-offs
  • 4.11%Efficiency ratio
  • 88,683Assets per employee
  • 5.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 38.18%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 105.42%Net loans and leases to core deposits
  • 115.62%Equity capital to assets
  • 15.65%Core capital (leverage) ratio
  • 15.51%Tier 1 risk-based capital ratio
  • 23.40%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $375,102Average earning assets
  • $59,075Average equity
  • $349,530Average loans

List of branches

  • 6 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040723Oba Bank20300 Seneca Meadows Parkway, Germantown, MD 20876June 01, 1861Full Service Brick and Mortar
    2363185River Road Branch5229 River Road, Bethesda, MD 20816March 01, 2001Full Service Brick and Mortar
    336614318523 N. Frederick Avenue Branch18523 N. Frederick Avenue, Gaithersburg, MD 20879January 01, 1987Full Service Brick and Mortar
    436614420300 Seneca Meadows Parkway Branch20300 Seneca Meadows Parkway, Germantown, MD 20876June 01, 2002Full Service Brick and Mortar
    5495698Little Patuxent Branch10840 Little Patuxent Parkway, Columbia, MD 21044July 21, 2008Full Service Brick and Mortar
    6519697Rockville Branch451 E Hungerford Drive Suite 101, Rockville, MD 20850May 24, 2011Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with OBA Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents