Bank of Odessa: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 5.64 percentage points in Q2 2026, from 55.82% to 50.18%. It was the largest change from Q1 2026 among the key lines here. Bank of Odessa ranks 113th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Odessa reported 80.39% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $455.8M |
| Net loans and leases | $449.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.33% |
| Loan-to-deposit ratio | 80.39% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.94% |
| Multifamily (5+ residential) | 0.92% |
| Commercial and industrial | 7.62% |
| Consumer | 3.10% |
| Credit cards | 0.00% |
| Farm | 8.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.78% |
| Construction concentration (Tier 1 capital + allowance) | 50.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.84% |
| Interest income on loans | $8.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $427.9M | $451.0M | 14.40% | 9.88% | 3.79% |
| Q4 2023 | $437.4M | $452.4M | 14.99% | 10.18% | 3.51% |
| Q1 2024 | $442.0M | $466.3M | 14.26% | 10.17% | 3.58% |
| Q2 2024 | $445.9M | $469.5M | 14.34% | 9.17% | 3.68% |
| Q3 2024 | $453.2M | $478.6M | 13.77% | 10.06% | 3.48% |
| Q4 2024 | $454.7M | $495.9M | 14.19% | 9.75% | 3.37% |
| Q1 2025 | $449.3M | $525.7M | 14.68% | 9.26% | 3.31% |
| Q2 2025 | $444.1M | $520.3M | 14.55% | 9.40% | 3.42% |
| Q3 2025 | $447.5M | $532.7M | 14.75% | 8.56% | 3.16% |
| Q4 2025 | $463.4M | $545.6M | 14.08% | 9.09% | 3.06% |
| Q1 2026 | $453.9M | $572.5M | 14.48% | 8.33% | 3.00% |
| Q2 2026 | $455.8M | $567.0M | 14.94% | 7.62% | 3.10% |
Bank of Odessa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Odessa, freeSource: Call Report Schedule RC-C, 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)