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Bank of Odessa

$100M-$1B Specialty: Other MO FDIC cert 9803

Odessa, MO

4 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +9.0% year over year ($567.0M on the books).
  • Delinquency rate 2.15%.
  • Return on assets 2.04%.
  • Efficiency ratio 33.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Bank of Odessa has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 31.18% below tier average
  • + ROA 0.72% above tier average
  • + Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 20.9% in tier
  • - Credit Risk Growth: Bottom 40.2% in tier
Get updates when Bank of Odessa releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $667.1M
+6.3% YoY -0.4% QoQ
+$280.5M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 14.3% in tier
Total Loans ? $449.8M
+2.7% YoY +0.4% QoQ
+$191.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $567.0M
+9.0% YoY -1.0% QoQ
+$240.3M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 14.7% in tier
Return on Assets ? 2.04%
+3.1% YoY -1.7% QoQ
+0.72% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 12.4% in tier
Net Interest Margin ? 4.11%
+3.5% YoY -0.3% QoQ
+0.12% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 33.30%
-0.0% YoY +2.8% QoQ
-31.18% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 1.2% in tier
Delinquency Rate ? 2.15%
+39.7% YoY +4.1% QoQ
+1.23% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 11.4% in tier
Loan-to-Deposit Ratio ? 79.33%
-5.8% YoY +1.4% QoQ
+1.38% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 10.99%
-6.2% YoY +0.4% QoQ
-11.04% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 12.6% in tier
Nonperforming Asset Ratio ? 1.59%
+36.3% YoY +4.5% QoQ
+0.92% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 11.0% in tier
Tier 1 Capital Ratio ? 24.51%
+4.8% YoY +2.7% QoQ
+8.61% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 7.4% in tier
Non-Interest Income / Assets ? 0.08%
-7.9% YoY +135.2% QoQ
-0.48% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 14.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 11.0%
-0.7pp YoY
0.0pp QoQ
 -11.2pp 22.1% 20.9% 22.2% 12%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 7.7%
-1.8pp YoY
-0.7pp QoQ
 -3.8pp 11.6% 12.3% 12.5% 38%
CRE 27.0%
+0.7pp YoY
-0.4pp QoQ
 -12.6pp 39.5% 36.8% 41.4% 30%
1-4 Family 53.4%
-0.7pp YoY
+0.3pp QoQ
 +20.8pp 32.6% 31.9% 31.3% 85%
Consumer 3.1%
-0.3pp YoY
+0.1pp QoQ
 -1.0pp 4.1% 4.1% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 24.5%
+1.1pp YoY
+0.6pp QoQ
 +5.7pp 18.8% 18.5% 19.7% 88%
Leverage Ratio 13.7%
+0.4pp YoY
+0.4pp QoQ
 +1.5pp 12.2% 11.6% 12.6% 80%
Total Capital Ratio 25.8%
+1.1pp YoY
+0.6pp QoQ
 +5.8pp 19.9% 19.6% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 54
-1 (-1.8%) YoY
0 QoQ
 -5 58 162 482 57%
Assets per Employee ($) $12.4M
+8.2% YoY
-0.4% QoQ
 +$4.8M $7.5M $8.0M $8.8M 94%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.2pp YoY
0.0pp QoQ
 +0.9pp 0.3% 0.3% 0.4% 93%
Nonaccrual 1.0%
+0.4pp YoY
+0.1pp QoQ
 0.0pp 0.9% 0.8% 1.0% 71%
Allowance Coverage 0.62x
-32.4% YoY
-2.8% QoQ
 -23.53x 24.15x 10.47x 20.23x 15%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
-0.2pp QoQ
 +0.1pp 0.1% 0.3% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 15.0%
0.0pp YoY
-0.3pp QoQ
 +2.8pp 12.2% 14.3% 11.6% 68%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 92%
Net Income ($, YTD) $6.8M
+8.9% YoY
— QoQ
 +$4.2M $2.6M $11.3M $40.4M 95%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#156 of 742 • Bottom 20.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.51%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 79.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#377 of 936 • Bottom 40.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

34
Efficiency Ratio
profitability
Value: 33.30%
Peer Median: 64.48%
#34 of 2643 Top 1.2% in $100M-$1B
196
Tier 1 Capital Ratio
capital
Value: 24.51%
Peer Median: 15.91%
#196 of 2643 Top 7.4% in $100M-$1B
329
Return on Assets
profitability
Value: 2.04%
Peer Median: 1.32%
#329 of 2643 Top 12.4% in $100M-$1B
378
Total Assets
size
Value: $667.10M
Peer Median: $386.57M
#378 of 2643 Top 14.3% in $100M-$1B
390
Total Deposits
size
Value: $567.05M
Peer Median: $326.73M
#390 of 2643 Top 14.7% in $100M-$1B
427
Total Loans
size
Value: $449.85M
Peer Median: $258.35M
#427 of 2643 Top 16.1% in $100M-$1B

Top Weaknesses (4 metrics)

2354
Nonperforming Asset Ratio
credit_quality
Value: 1.59%
Peer Median: 0.67%
#2354 of 2643 Bottom 11.0% in $100M-$1B
2333
Delinquency Rate
credit_quality
Value: 2.15%
Peer Median: 0.92%
#2333 of 2633 Bottom 11.4% in $100M-$1B
2312
Non-Interest-Bearing Deposit Share
funding
Value: 10.99%
Peer Median: 22.03%
#2312 of 2643 Bottom 12.6% in $100M-$1B
2273
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2273 of 2643 Bottom 14.0% in $100M-$1B
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