PackageTrendsPeer
Letter portraitLegal landscape

Bank of Odessa

Odessa, MO · Cert 9803 · Country Agencies&Investments

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Odessa

Odessa, MO · Cert 9803 · Country Agencies&Investments

State charter, non-member · FDIC · 4 branches

Q2 2026

$667.1MAssets
$455.8MLoans
$567.0MDeposits
$91.6MEquity
Loan mix
89%RE $396.6M8%C&I $37.8M3%Consumer $13.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $504.7M11%Noninterest $62.3MQ2 2025Q2 2026

NIM

6.28%Q2 ’246.62%Q2 ’256.46%Q2 ’26+9%+4%

Non-interest income vs. expense

1.29%Q2 ’241.33%Q2 ’251.37%Q2 ’26+2%+5%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.5% share · #25 of 114 inst. · $0.5B of $99.1B

39.3% Lafayette
0.2% Jackson
4.7% Pettis

Executive Summary

  • Earnings: ROA of 2.04%, up 6 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 2.12% of loans (+60 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 13.67%, up 39 bps from a year ago.
  • Funding: loans stand at 80.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.04%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+14 bps YoY

Efficiency Ratio (YTD, annualized)

33.30%0 bps YoY

Tier 1 Leverage Ratio

13.67%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%2.09%2.05%2.08%2.04%+6 bps
Return on Equity15.05%15.70%15.20%15.32%15.01%-5 bps
Net Interest Margin3.81%3.97%3.89%3.99%3.95%+14 bps
Efficiency Ratio33.30%31.36%31.40%32.40%33.30%0 bps
Non-Interest Burden1.15%1.11%1.10%1.19%1.20%+6 bps
Growth
Asset Growth (YoY)8.36%7.11%6.17%4.52%6.27%-209 bps
Loan Growth (YoY)-0.41%-1.27%1.92%1.01%2.64%+305 bps
Deposit Growth (YoY)10.81%11.32%10.01%8.91%8.99%-182 bps
Asset Quality
Nonperforming Loans / Loans1.51%2.46%1.93%2.03%2.12%+60 bps
Net Charge-Offs / Loans0.19%0.14%0.26%0.52%0.27%+7 bps
Allowance / Loans1.39%1.40%1.35%1.30%1.31%-8 bps
Allowance Coverage of NPLs0.9x0.6x0.7x0.6x0.6x-0.3x
Capital
Tier 1 Leverage Ratio13.29%14.00%14.08%13.31%13.67%+39 bps
Total Risk-Based Capital24.66%25.51%25.50%25.13%25.77%+111 bps
Equity / Assets13.38%13.83%13.98%13.18%13.72%+34 bps
Liquidity & Funding
Loans / Deposits85.36%83.99%84.94%79.27%80.39%-497 bps
Liquid Assets / Assets19.11%18.85%20.17%23.18%21.36%+225 bps
CRE / Total Capitaln/a134.90%132.53%138.76%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Odessa

Odessa, MO · Cert 9803 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Country Agencies&Investments

State charter, non-member · FDIC · 4 branches

Q2 2026

$667.1MAssets
$455.8MLoans
$567.0MDeposits
$91.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 2 of 40).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 38 of 39).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.03%

Rank 7 of 40

Net Interest Margin

3.95%

Rank 21 of 40

Efficiency Ratio

33.30%

Rank 2 of 40

Equity / Assets

13.72%

Rank 8 of 40

Non-interest income vs. expense

$1.1M$9.2MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 97% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 33.30%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%1.02%1.39%1.86%Beats 83%7 / 40
Return on Equity14.78%10.74%14.78%21.32%Beats 50%20 / 40
Net Interest Margin3.95%3.33%4.05%4.63%Beats 48%21 / 40
Efficiency Ratio33.30%51.70%58.10%69.29%Beats 97%2 / 40
Asset Quality
Nonperforming Loans / Loans2.12%0.05%0.20%1.11%Beats 5%38 / 39
Net Charge-Offs / Loans0.15%n/a0.00%0.05%Beats 18%33 / 39
Capital
Tier 1 Capital Ratio24.51%11.32%12.27%16.94%Beats 90%4 / 40
Total Risk-Based Capital Ratio25.77%11.32%13.09%17.63%Beats 93%3 / 40
Equity / Assets13.72%8.41%10.10%12.34%Beats 80%8 / 40
Liquidity & Funding
Loans / Deposits80.39%73.50%85.60%94.85%43rd pctl23 / 40
Loans / Assets68.33%62.75%69.87%79.23%43rd pctl23 / 40
Brokered Deposits / Depositsn/aNot reported for this institution