One World Bank

What One World Bank does

One World Bank is a Texas-chartered community bank, founded in April 2005 and operated as a subsidiary of One World Holding, Inc. The bank serves personal retail customers, small and medium-sized businesses, and specialized commercial clients across Texas through four physical locations: a corporate office in Dallas (headquarters), branches in Houston and Aubrey, and a Loan/Deposit Production Office in Richardson. Its product portfolio spans personal banking (Freedom Checking, NOW Checking, Regular Savings, OWB Variable Rate Money Market, Rocket 88 Personal Money Market), business banking (World Class Free Business Checking, Small Business Checking, Regular Business Checking, IOLTA for law firms, and Money Service Business accounts), commercial lending (CRE, SBA/USDA, equipment, CD-secured, revolving lines of credit, floor plan, and installment/term loans), and investments (CDs and IRAs).

The bank's technology stack is a traditional core banking platform extended with standard digital channels: an internet banking portal (routing 111025123), a dedicated iOS/Android mobile app ("One World Mobile"), and a Zelle integration for peer-to-peer payments. ATM access is delivered through the Allpoint network, providing customers with over 55,000 surcharge-free ATMs nationwide. Debit cards are issued on Mastercard. There is no evidence of proprietary AI/ML, open banking APIs, or a developer platform; technology is described in commodity, integration terms.

Revenue mechanics are conventional community-bank economics: net interest income from the spread between loan yields and deposit costs is the primary engine, supplemented by loan origination fees on commercial/SBA/USDA activity and deposit-account maintenance and per-transaction fees (e.g., $10/month NOW Checking if balance <$1,500, $20/month money market if below minimum, $0.25 per item on Regular Business Checking). The customer mix is horizontal and mass-market, with no disclosed enterprise or anchor relationships; niche exposures exist in IOLTA (law firm trust accounts) and MSB (money transmission) verticals, both of which carry elevated regulatory complexity. The bank participates in the U.S. Treasury's Emergency Capital Investment Program (ECIP), as evidenced by its Excessive or Luxury Expenditures Policy referencing 31 CFR Part 35.

Name

One World Bank

Legal name

One World Holding, Inc.

Website

https://oneworldbank.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

One World Bank is a Texas-chartered community bank founded in 2005, offering personal banking, business banking, commercial lending, CDs/IRAs, and digital banking to retail and SMB customers across four Texas branches (Dallas HQ, Houston, Aubrey, Richardson), with Allpoint ATM and Zelle integrations.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Community banking
• Personal banking services
• Commercial lending
• Small business banking
• Deposit accounts

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Traditional banking revenue from the spread between interest earned on loans (including commercial real estate, equipment, SBA/USDA, and consumer loans) and interest paid on deposits (checking, savings, money market, CDs, and IRAs).
2. Loan Origination Fees: Fees collected from commercial lending activities including CRE loans, installment loans, equipment loans, CD secured loans, revolving lines of credit, floor plan loans, and SBA/USDA loans.
3. Deposit and Service Fees: Monthly maintenance fees on certain accounts (e.g., $10 for NOW Checking if balance drops below $1,500, $20 for money market accounts if below minimum), per-transaction fees on business accounts exceeding transaction limits, and other service charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

One World Bank is a Texas-chartered community bank offering personal banking (checking, savings, money market accounts) and business banking products (business checking, money market, IOLTA, MSB accounts) along with commercial lending (SBA/USDA, CRE, equipment, installment, revolving lines, floor plan loans) and investment products (CDs, IRAs). Services are delivered through four Texas branches plus digital channels including online banking, a mobile app with Zelle integration, Mastercard debit cards, and Allpoint ATM network access.

Product overview

One World Bank is a Texas-chartered community bank offering a unified portfolio of personal and commercial banking products. The product lineup comprises: (1) Personal Banking — Freedom Checking, NOW Checking, Regular Savings, OWB Variable Rate Money Market, and Rocket 88 Personal Money Market accounts; (2) Business Banking — World Class Free Business Checking, Small Business Checking, Regular Business Checking, OWB Business Variable Money Market, Rocket 88 Business Money Market, IOLTA, Money Service Business (MSB), NOW Business, and Business Savings accounts; (3) Commercial Lending — USDA/SBA Loans, Commercial Real Estate Loans, Equipment Loans, CD Secured Loans, Revolving Lines of Credit, Floor Plan Loans, and Installment/Term Loans; (4) Investments — Certificate of Deposit (CD), Individual Retirement Account (IRA), and Jumbo CD products with terms from 30 days to 5 years; and (5) Digital Banking — Online Banking, Mobile Banking, and One World Mobile App with Zelle integration for P2P payments. The bank also offers ATM services via the Allpoint network, safe deposit boxes, and cybersecurity services. Products are distributed through four Texas locations (Dallas corporate office, Houston branch, Aubrey branch, and Richardson LPO/DPO).

Differentiator

Problem solved

Functional benefit

Products and services

• Freedom Checking A basic personal checking account with a $100 minimum opening deposit, no monthly maintenance fee, and no minimum balance requirement. Includes a free MasterCard debit card, Internet banking with bill pay, notary service, e-statements, and Allpoint ATM nationwide access. Targeted at individual consumers seeking a simple, low-cost everyday checking account.
• NOW Checking Interest-bearing personal checking account requiring a $500 minimum opening deposit and a $1,500 minimum daily balance to avoid a $10 monthly maintenance fee. Earns interest (current rate 0.01% APY) when the minimum daily balance is met. Includes a free MasterCard debit card, Internet banking with bill pay, notary service, e-statements, and Allpoint ATM access. Targeted at consumers who want to earn nominal interest on checking balances.
• Regular Savings A basic personal savings account with a $100 minimum opening deposit and a $300 minimum daily balance to avoid a $5 monthly maintenance fee. Currently offers 3.70% interest rate / 3.75% APY. Targeted at individual consumers building savings with competitive yields.
• OWB Variable Rate Money Market A variable-rate money market account for personal and business customers with a $1,000 minimum opening deposit and a $3,000 minimum daily balance to avoid a $20 monthly maintenance fee. Tiered rates range from 0.05% APY ($0.01–$9,999.99) up to 0.65% APY ($2M+). Targeted at consumers and businesses seeking tiered, balance-based yields.
• Rocket 88 Personal Money Market A premium personal money market account with a $5,000 minimum opening deposit and a $5,000 minimum daily balance to avoid a $20 maintenance fee. Tiered rates from 0.10% APY ($0.01–$4,999.99) up to 3.75% APY ($100,000+). Includes a free MasterCard debit card and Allpoint ATM access. Targeted at high-balance consumers seeking premium money-market yields.
• World Class Free Business Checking A free business checking account with a $100 minimum opening deposit, offering unlimited transactions. Limited to new-money customers with one account per business entity. Includes a free MasterCard debit card, Internet banking with bill pay, notary service, e-statements, and Allpoint ATM nationwide access. Targeted at small and medium-sized businesses seeking a low-cost, unlimited-transaction operating account.
• Small Business Checking A small-business checking account with a $200 minimum opening deposit. Charges a $0.50 per-debit fee for items exceeding 150 per statement cycle. Includes a free MasterCard debit card, Internet banking with bill pay, notary service, e-statements, and Allpoint ATM nationwide access. Targeted at small businesses with moderate transaction volumes.
• Regular Business Checking A full-service business checking account with a $500 minimum opening deposit, a $15 monthly maintenance fee that can be offset by earnings credit based on balances, and a $0.25 per-item fee on debits and credits. Remote Deposit Capture and Cash Management are available upon approval. Targeted at established small-to-medium businesses needing cash-management tools.
• NOW Business Account An interest-bearing business checking account that earns interest when the account balance meets a minimum daily balance requirement. Targeted at businesses wanting to earn interest on operating balances.
• OWB Business Variable Money Market Account A business money market account with a $1,000 minimum opening deposit and a $3,000 minimum daily balance to avoid a $20 maintenance fee. Targeted at businesses parking operating reserves in a tiered-yield product.
• Rocket 88 Business Money Market Account A premium business money market account with a free MasterCard debit card and Allpoint ATM nationwide access. Targeted at businesses seeking high-yield treasury-management balances.
• Business Savings A business savings account offering competitive interest rates, subject to standard federal regulations on interest payments. Targeted at small businesses maintaining a separate reserve or savings account.
• Interest On Lawyer's Trust Account (IOLTA) A trust account for lawyers (Interest On Lawyer's Trust Account / IOLTA program) with a $500 minimum opening deposit. Requires a $1,500 minimum daily balance to avoid a $10 maintenance fee and a $10 minimum daily balance to obtain APY. No transaction limit. Targeted at law firms needing compliant client trust-fund management with interest generation.
• Money Service Business (MSB) Account A specialized business account for Money Service Businesses, including those involved in check cashing, traveler check or money order issuance, stored value, or money transmission services. Targeted at regulated MSB operators needing compliant banking services.
• USDA/SBA Loans Government-backed small business loans under USDA and SBA programs for business financing. Targeted at small businesses that qualify for federal loan-guarantee programs, including those in underserved or rural markets.
• Commercial Real Estate Loans Financing for commercial property purchase, renovation, or expansion as part of the bank's commercial lending portfolio. Targeted at businesses and investors acquiring, developing, or improving commercial real estate.
• Equipment Loans Loans for purchasing new equipment to support business operations and growth. Targeted at businesses needing to finance equipment acquisitions.
• CD Secured Loans Loans secured by Certificate of Deposit holdings, offering competitive rates using the customer's CD as collateral. Targeted at consumers and businesses holding CDs who want to borrow without disturbing their CD investment.
• Revolving Lines of Credit Flexible revolving credit lines for managing business cash flow, especially during seasonal fluctuations. Targeted at businesses with working-capital cycles needing flexible draw-and-repay access to capital.
• Floor Plan Loans Inventory financing loans for businesses, particularly retail operations, enabling the purchase of inventory that can be sold over time. Targeted at retailers and dealers needing inventory financing.
• Installment/Term Loans Fixed-term installment loans for various business needs including remodeling and expansion, with predictable payment schedules. Targeted at small and medium businesses seeking term debt for specific projects or expansions.
• Certificate of Deposit (CD) A low-risk time-deposit investment product with a $1,000 minimum opening deposit and terms ranging from 30 days to 5 years. Rates range from 3.75% APY (30-day) to 4.00% APY (180-day). Interest compounds monthly and early withdrawal penalties apply. Targeted at consumers and businesses seeking low-risk, fixed-yield deposits.
• Individual Retirement Account (IRA) A tax-advantaged retirement savings product with both Traditional and Roth IRA options, terms ranging from 180 days to 60 months, and a $1,000 minimum opening deposit. Rates range from 3.00% APY (36–60 month) to 4.00% APY (180-day). Annual contribution limits apply. Targeted at individual consumers building tax-advantaged retirement savings.
• Jumbo Certificate of Deposit (CD) A higher-balance CD product with an 18-month term including an IRA investment option, offering a 3.45% interest rate (3.50% APY). Targeted at consumers and investors parking larger balances in a higher-yield time deposit.
• Online Banking An internet-based self-service banking platform for account management, bill payment, transfers, and e-statements. Available at olb-ebanking.com with routing number 111025123. Targeted at both personal and business customers seeking 24/7 self-serve account access.
• One World Mobile App A dedicated mobile banking application available on the Apple App Store (iOS) and Google Play (Android) for account management, Zelle transfers, bill pay, and transaction monitoring on the go. Targeted at personal and business customers needing mobile-first banking.
• Safe Deposit Box A secure storage service available at bank branches for safekeeping of valuable documents and items. Targeted at personal and business customers needing physical secure-storage capacity.

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• AllpointcoreTechnology or IntegrationOne World Bank is part of the Allpoint ATM network, providing customers with access to over 55,000 participating ATMs throughout the United States and globally. Customers receive unlimited ATM fee rebates when using ATMs within the Allpoint network. One out of every twelve ATMs in the U.S. participates in the Allpoint network.
• Zelle (Early Warning Services, LLC)coreTechnology or IntegrationOne World Bank integrates Zelle peer-to-peer payment service into its online and mobile banking platforms, enabling customers to send and receive money quickly with no bank fees. Over 100 million people are enrolled with Zelle across 2,200+ participating banks and credit unions.
• Apple App StorecoreChannel Partner/ Reseller/ DistributorOne World Bank distributes its mobile banking app through the Apple App Store for iOS devices, enabling customers to access banking services from their iPhones and iPads.
• Google Play StorecoreChannel Partner/ Reseller/ DistributorOne World Bank distributes its mobile banking app through Google Play Store for Android devices, enabling customers to access banking services from Android smartphones and tablets.
• MastercardcoreTechnology or IntegrationOne World Bank issues Mastercard debit cards with all personal and business checking accounts, providing customers with debit card functionality for purchases and ATM withdrawals worldwide.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Frost Bank: Large Texas-based regional bank with deep personal/business banking and lending franchises. Comparable product mix (CRE, SMB, consumer) but materially larger scale and broader geographic footprint.
• Cadence Bank: Regional bank with a strong Texas presence serving SMB and commercial customers with deposit, lending, and treasury products — comparable product set to OWB but at significantly larger scale.
• Bank of Texas (BOK Financial): Texas-anchored subsidiary of BOK Financial providing personal, small business, and commercial banking — directly competes for DFW SMB deposits and CRE/SBA lending relationships.
• International Bancshares Corporation: Texas-based bank holding company operating IBC Bank with a community banking model across South Texas and beyond — comparable SMB/commercial lending emphasis and community positioning.
• First Horizon Bank: Regional bank with growing Texas presence offering personal, SMB, and commercial banking products — overlapping service offerings with OWB at larger scale.
• Prosperity Bancshares: Texas-domiciled community banking franchise with heavy SMB and CRE lending emphasis across the state — overlapping customer base and product portfolio at a larger scale.
• Comerica Bank: Dallas-headquartered bank with a long-standing Texas community banking presence and significant SMB/commercial lending book — comparable geography and customer base, much larger scale.

Direct peers

• Veritex Holdings: Dallas-based community bank with comparable SMB banking focus, commercial real estate lending, and branch network density in North Texas — a closely matched peer in scale and strategy.
• Texas Capital Bank: Dallas-headquartered commercial bank with strong SMB and business banking focus; competes for the same middle-market and CRE borrowers in the DFW market.
• Independent Bank Group: Texas-headquartered community bank with a multi-branch footprint across Dallas-Fort Worth, Houston, and Austin — directly comparable in geography, target SMB/personal customer base, and product breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/oneworldbank1
• Facebookfacebook.com/oneworldbank
• LinkedInlinkedin.com/company/oneworldbank
• Instagraminstagram.com/oneworldbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One World Bank