🏦Bank Scorer

This institution is no longer active

Operations ceased on May 20, 2022. CRA examination history below reflects the period it was active.

OMNIBANK

BAY SPRINGS, MS · Supervised by FDIC

Est. 1907FDIC #8,871RSSD: FDIC-8871
Satisfactory Same

Current rating · Exam: April 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.64%

Institution Profile

FDIC BankFind

Address

6a N Third St, BAY SPRINGS, MS

County

Jasper County

Established

January 1, 1907

Total Assets

$57M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2022Call Report / FDIC

Total Assets

$57M

Total Deposits

$52M

Net Loans

$31M

Net Income

$-90K

ROA

-0.64%

ROE

-7.59%

Risk-Based Capital

18.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.57%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20197072.86%8.57%
20186671.21%16.67%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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