BANK OF ODESSA

ODESSA, MO | Medium | Est. Jan. 1, 1880, midnight | FDIC #9803 | RSSD #819453 | FDIC
Latest Report: 2025-12-31

BANK OF ODESSA is amn medium FDIC-insured commercial bank headquartered in ODESSA, MO, established in Jan. 1, 1880, midnight. As of 2025-12-31, the bank reported total assets of $650M and total deposits of $546M. Profitability stands at 1.92% ROA and 13.83% ROE, with a net interest margin of 4.35%. The bank's CET1 capital ratio is 24.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.30% and a Texas Ratio of 6.64%. FDIC Certificate #9803.

Assets

$650M

Deposits

$546M

Loans

$463M

Equity

$91M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 13.83%
Net Interest Margin (NIM) 4.35%
Yield on Assets 7.24%
Cost of Funds 3.11%

Asset Quality

NPL Ratio 1.30%
Net Charge-Off Ratio 0.26%
Texas Ratio 6.64%
NPA Ratio 0.99%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 24.25%
Tier 1 Capital 24.25%
Total Capital Ratio 25.50%
Leverage Ratio 14.08%
Loan-to-Deposit 84.94%

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