Bank of Odessa: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.54 percentage points from Q1 2026 to Q2 2026, ending at 13.72% against 13.18%. It was the largest change among the key lines on this page. On CET1 ratio, Bank of Odessa ranks 8th highest among the 98 banks headquartered in Missouri, at 24.51% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Bank of Odessa reported 24.51% on CET1 ratio in Q2 2026, 9.44 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.51% |
| Tier 1 risk-based capital ratio | 24.51% |
| Total risk-based capital ratio | 25.77% |
| Tier 1 leverage ratio | 13.67% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $91.7M |
| Tier 1 capital | $91.7M |
| Total risk-based capital | $96.3M |
| Total equity capital | $91.6M |
| Risk-weighted assets | $373.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.72% |
| Tangible equity to tangible assets | 13.72% |
| Equity capital to average assets | 13.66% |
| Internal capital growth rate | 15.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.1M |
| Common stock surplus | $1.9M |
| Retained earnings | $86.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$99K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.12% | 21.12% | 22.37% | 13.63% | $350.8M |
| Q4 2023 | 21.52% | 21.52% | 22.78% | 13.93% | $354.6M |
| Q1 2024 | 20.71% | 20.71% | 21.96% | 13.16% | $359.7M |
| Q2 2024 | 21.46% | 21.46% | 22.71% | 13.42% | $359.8M |
| Q3 2024 | 21.85% | 21.85% | 23.11% | 13.69% | $366.4M |
| Q4 2024 | 22.64% | 22.64% | 23.90% | 13.90% | $366.2M |
| Q1 2025 | 22.41% | 22.41% | 23.66% | 12.88% | $360.4M |
| Q2 2025 | 23.40% | 23.40% | 24.66% | 13.29% | $358.7M |
| Q3 2025 | 24.26% | 24.26% | 25.51% | 14.00% | $361.1M |
| Q4 2025 | 24.25% | 24.25% | 25.50% | 14.08% | $374.0M |
| Q1 2026 | 23.87% | 23.87% | 25.13% | 13.31% | $369.9M |
| Q2 2026 | 24.51% | 24.51% | 25.77% | 13.67% | $373.9M |
Bank of Odessa regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Odessa, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Odessa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9803) · FFIEC NIC profile (RSSD 819453)