Bank of Odessa: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Odessa of Odessa, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.35% | +0.64% | 85th top |
| ROAE | 14.86% | 12.05% | +2.81% | 65th above |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 34.16% | 63.16% | -29.00% | 98th top |
| PPNR / Avg Assets | 2.73% | 1.64% | +1.09% | 93rd top |
| Yield on Earning Assets | 6.59% | 5.65% | +0.94% | 89th top |
| Cost of Funds | 2.89% | 1.85% | +1.04% | 7th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.33% | 3.35% | -0.02% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.92% | +0.08% | 28th below |
| NPA / Total Assets | 0.82% | 0.67% | +0.15% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) | 131.10% | 1645.78% | -1514.68% | 37th below |
| Texas Ratio | 11.08% | 7.15% | +3.93% | 19th bottom |
| Provision / NCO | 56.46% | 1189.89% | -1133.43% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.51% | 20.83% | +3.68% | 87th top |
| Tier 1 Ratio | 24.51% | 20.86% | +3.65% | 87th top |
| Total Capital Ratio | 25.77% | 21.93% | +3.84% | 88th top |
| Leverage Ratio | 13.67% | 12.46% | +1.21% | 80th top |
| Equity / Assets | 13.72% | 11.67% | +2.05% | 83rd top |
| TCE / Tangible Assets | 13.72% | 11.40% | +2.32% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.39% | 78.64% | +1.75% | 50th above |
| Core Deposit Ratio | 86.02% | 87.09% | -1.07% | 34th below |
| Wholesale Funding Ratio | 0.75% | 5.12% | -4.37% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.27% | 6.47% | -0.20% | 64th above |
| Loan Growth (Y/Y) | 2.64% | 7.64% | -5.00% | 35th below |
| Deposit Growth (Y/Y) | 8.99% | 6.02% | +2.97% | 79th top |
See Bank of Odessa's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Odessa, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Odessa profile, how to read a UBPR, or how this data updates.