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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

6.51%Q2 ’246.70%Q2 ’256.45%Q2 ’26+6%+1%

Non-interest income vs. expense

1.35%Q2 ’241.32%Q2 ’251.42%Q2 ’26-4%+8%

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 2.00%, down 1 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 2.12% of loans (+60 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

2.00%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+5 bps YoY

Efficiency Ratio (quarter, annualized)

34.18%+193 bps YoY

Tier 1 Leverage Ratio

13.67%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.01%2.32%1.92%2.08%2.00%-1 bps
Return on Equity15.43%17.05%13.83%15.32%14.86%-58 bps
Net Interest Margin3.90%4.23%3.99%3.99%3.96%+5 bps
Efficiency Ratio32.25%27.87%31.50%32.40%34.18%+193 bps
Non-Interest Burden1.14%1.01%1.17%1.19%1.23%+9 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 / Loans0.31%0.04%0.61%0.52%0.02%-29 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