BlastPoint's Banking Scorecard

Bank of Odessa

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

Odessa, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in 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 32.89% below tier average
+ ROA 0.81% above tier average
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 22.3% in tier
- Delinquency Rate 1.17% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$669.5M +4.5% YoY +3.0% QoQ	+$283.4M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 14.1% in tier
Total Loans ?	$448.0M +1.1% YoY -2.0% QoQ	+$192.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$572.5M +8.9% YoY +4.9% QoQ	+$244.6M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 14.5% in tier
Return on Assets ?	2.08% +7.3% YoY +1.5% QoQ	+0.81%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 10.9% in tier
Net Interest Margin ?	4.12% +6.1% YoY +0.7% QoQ	+0.19%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	32.40% -5.8% YoY +3.2% QoQ	-32.89%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 1.3% in tier
Delinquency Rate ?	2.06% -9.6% YoY +5.4% QoQ	+1.17%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 11.9% in tier
Loan-to-Deposit Ratio ?	78.24% -7.2% YoY -6.6% QoQ	+1.60%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	10.94% -13.4% YoY -4.2% QoQ	-11.08%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 12.6% in tier
Nonperforming Asset Ratio ?	1.52% -5.0% YoY +5.3% QoQ	+0.88%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 11.4% in tier
Tier 1 Capital Ratio ?	23.87% +6.5% YoY -1.5% QoQ	+8.04%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 7.7% in tier
Non-Interest Income / Assets ?	0.04% -19.2% YoY -79.8% QoQ	-0.24%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 11.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Liquidity Overhang

risk

#166 of 739 • Bottom 22.3% 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: 23.87%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 78.24%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 32.40%

Peer Median: 65.29%

#35 of 2664 Top 1.3% in $100M-$1B

206

Tier 1 Capital Ratio

capital

Value: 23.87%

Peer Median: 15.83%

#206 of 2664 Top 7.7% in $100M-$1B

291

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.27%

#291 of 2664 Top 10.9% in $100M-$1B

376

Total Assets

size

Value: $669.53M

Peer Median: $386.08M

#376 of 2664 Top 14.1% in $100M-$1B

388

Total Deposits

size

Value: $572.53M

Peer Median: $327.97M

#388 of 2664 Top 14.5% in $100M-$1B

411

Total Loans

size

Value: $447.97M

Peer Median: $255.72M

#411 of 2664 Top 15.4% in $100M-$1B

Top Weaknesses (4 metrics)

2368

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2368 of 2664 Bottom 11.1% in $100M-$1B

2361

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.64%

#2361 of 2664 Bottom 11.4% in $100M-$1B

2340

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.89%

#2340 of 2654 Bottom 11.9% in $100M-$1B

2330

Non-Interest-Bearing Deposit Share

funding

Value: 10.94%

Peer Median: 22.02%

#2330 of 2664 Bottom 12.6% in $100M-$1B