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
Unfavorable gap of $8.1M · efficiency ratio beats 97% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.03% | 1.02% | 1.39% | 1.86% | Beats 83% | 7 / 40 | |
| Return on Equity | 14.78% | 10.74% | 14.78% | 21.32% | Beats 50% | 20 / 40 | |
| Net Interest Margin | 3.95% | 3.33% | 4.05% | 4.63% | Beats 48% | 21 / 40 | |
| Efficiency Ratio | 33.30% | 51.70% | 58.10% | 69.29% | Beats 97% | 2 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.12% | 0.05% | 0.20% | 1.11% | Beats 5% | 38 / 39 | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.00% | 0.05% | Beats 18% | 33 / 39 | |
| Capital |
| Tier 1 Capital Ratio | 24.51% | 11.32% | 12.27% | 16.94% | Beats 90% | 4 / 40 | |
| Total Risk-Based Capital Ratio | 25.77% | 11.32% | 13.09% | 17.63% | Beats 93% | 3 / 40 | |
| Equity / Assets | 13.72% | 8.41% | 10.10% | 12.34% | Beats 80% | 8 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 80.39% | 73.50% | 85.60% | 94.85% | 43rd pctl | 23 / 40 | |
| Loans / Assets | 68.33% | 62.75% | 69.87% | 79.23% | 43rd pctl | 23 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |