Bank of Odessa
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Data as of · sourced from FFIEC call reports. How we update
Bank of Odessa is an FDIC-insured commercial bank headquartered in Odessa, MO, established in 1880 (FDIC certificate 9803), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $667.1M, up 6.3% from Q2 2025, the 55th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 24.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9803
- Headquarters
- Odessa, MO
- Established
- 1880
- Total assets, Q2 2026
- $667.1M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 24.51%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101904186
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Odessa call report
- Holding company
- COUNTRY AGENCIES & INVESTMENTS, INC.
- Asset rank in state
- 55th of 191 in Missouri
Problem loans are rising at Bank of Odessa. Based in Odessa, Missouri, it had $667 million in assets at June 30, 2026, up 6.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.12% of loans from 1.51% a year earlier. It spends about 34 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.89% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Deposits are coming in faster than loans: over the year loans rose 2.6% and deposits rose 9.0%. Credit is the area to watch: it carries problem assets equal to 10.8% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Odessa reported a CET1 capital ratio of 24.51%, a return on assets of 1.99%, a nonperforming-loan ratio of 2.12% and a Texas ratio of 10.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Odessa is the 55th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $667.1M, loans rose 0.4% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.7% of total loans, followed by non-owner-occupied commercial real estate loans at 11.0%. Its 4 offices in the FDIC Summary of Deposits are in Odessa, MO, Oak Grove, MO and La Monte, MO; its Odessa 2 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Odessa meets every capital ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1880
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $567.0M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $611K
- Average total assets
- $670.4M
- Average total loans
- $452.2M
- Average interest-bearing deposits
- $510.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9803
- Fed RSSD
- 819453
- Website
- WWW.BANKOFODESSA.COM →
- Parent Holding Company
- COUNTRY AGENCIES & INVESTMENTS, INC. (RSSD 1053339)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Odessa's total assets ranged from $547.2M (Q3 2023) to $669.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$667.1M total assets against $627.8M; $575.5M total liabilities against $543.8M.
$449.8M net loans and leases against $437.9M; $567.0M total deposits against $520.3M.
$96.7M securities against $89.1M; $106.1M cash and balances due against $86.8M.
$10.8M total interest income against $10.6M; $4.2M total interest expense against $4.4M.
$6.6M net interest income against $6.2M.
$321K total noninterest income against $289K; $2.4M total noninterest expense against $2.1M.
$225K provision for credit losses against $225K.
$3.3M net income against $3.2M.
1.99% return on assets against 2.01%; 4.05% net interest margin against 3.96%.
24.51% CET1 capital ratio against 23.40%; 13.67% tier 1 leverage ratio against 13.29%.
Inside the full Bank of Odessa terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Odessa rankings
Its closest position to the top of a national ranking is 84 of 3,606, for efficiency ratio; its furthest is 1,411 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.92% (Q4 2025) to 2.34% (Q3 2025) and its net interest margin ran from 3.82% (Q1 2025) to 4.42% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.51% | 1.99% | 2.12% | 10.84% | 4.05% |
| Q1 2026 | 23.87% | 2.07% | 2.03% | 10.79% | 4.08% |
| Q4 2025 | 24.25% | 1.92% | 1.93% | 9.65% | 4.07% |
| Q3 2025 | 24.26% | 2.34% | 2.46% | 12.16% | 4.32% |
| Q2 2025 | 23.40% | 2.01% | 1.51% | 8.10% | 3.96% |
| Q1 2025 | 22.41% | 1.94% | 2.25% | 11.76% | 3.82% |
| Q4 2024 | 22.64% | 1.92% | 2.05% | 10.53% | 4.05% |
| Q3 2024 | 21.85% | 1.95% | 1.99% | 10.67% | 4.42% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Odessa (main office) | Odessa , MO | 64076 | $373.2M |
| Oak Grove Branch | Oak Grove , MO | 64075 | $132.9M |
| La Monte Branch | La Monte , MO | 65337 | $61.0M |
| Drive-In Facility | Odessa , MO | 64076 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| January 3, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2023 | Structure Change | Acquired La Monte Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 72 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 298 applications, 285 loans originated, $61.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $349K approved, $349K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Odessa
What are Bank of Odessa's total assets?
As of the Q2 2026 filing, Bank of Odessa reported total assets of $667.1 million in its FFIEC call report.
Where is Bank of Odessa headquartered?
It is headquartered in Odessa, MO, United States.
When was Bank of Odessa founded?
It was established in 1880, per the FDIC institution directory.
Is Bank of Odessa FDIC-insured?
Yes. It 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.
What is Bank of Odessa's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Odessa operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Odessa's Texas Ratio?
Its Texas Ratio is 10.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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