Bank of Odessa
Operating from Odessa, MO, Bank of Odessa serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $670M in assets, including $454M in loans. The bank posts a strong 2.07% ROA and 15.32% ROE. Regulatory capital is solid — 23.87% CET1 and 25.13% total risk-based capital ratio. Asset quality is solid — 0.93% nonperforming loans and a 11.04% Texas Ratio. 4 branches make up the footprint.
Headquarters Profile
- Address
- 301 W Us Highway 40, ODESSA, MO 64076
- County
- Lafayette
- Metro Area
- KANSAS CITY, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1880
- Branches
- 4 domestic
- Employees (FTE)
- 54
- FDIC Cert
- 9803
- Fed RSSD
- 819453
- Website
- WWW.BANKOFODESSA.COM →
- Parent Holding Company
- COUNTRY AGENCIES & INVESTMENTS, INC. (RSSD 1053339)
Capital & Liquidity
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Bank of Odessa rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Bank of Odessa
What are Bank of Odessa's total assets?
As of the Q1 2026 filing, Bank of Odessa reported total assets of $669.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Odessa headquartered?
Bank of Odessa is headquartered in ODESSA, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Odessa founded?
Bank of Odessa was established in 1880, per the FDIC institution directory.
Is Bank of Odessa FDIC-insured?
Yes. Bank of Odessa is an FDIC-insured commercial bank (FDIC Certificate #9803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Odessa?
Bank of Odessa's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Odessa's CET1 capital ratio?
Bank of Odessa reported a Common Equity Tier 1 (CET1) capital ratio of 23.87% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of Odessa operate?
Bank of Odessa operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Odessa's Texas Ratio?
Bank of Odessa's Texas Ratio is 11.04% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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