Bank of Odessa: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.97 percentage points in Q2 2026, from 139.07% to 131.10%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Bank of Odessa is 40th of 192 on return on assets, 1.99% as of Q2 2026, above the middle of the field. Bank of Odessa's return on assets of 1.99% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.51% |
| Tier 1 risk-based capital ratio | 24.51% |
| Total risk-based capital ratio | 25.77% |
| Tier 1 leverage ratio | 13.67% |
| Equity capital to assets | 13.72% |
| Tangible equity to tangible assets | 13.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 11.08% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 131.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 14.86% |
| Net interest margin | 4.05% |
| Efficiency ratio | 34.16% |
| Yield on earning assets | 6.59% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.39% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.00% |
| Securities to assets | 14.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.12% | 21.12% | 22.37% | 13.63% | 1.68% |
| Q4 2023 | 21.52% | 21.52% | 22.78% | 13.93% | 1.63% |
| Q1 2024 | 20.71% | 20.71% | 21.96% | 13.16% | 1.94% |
| Q2 2024 | 21.46% | 21.46% | 22.71% | 13.42% | 1.89% |
| Q3 2024 | 21.85% | 21.85% | 23.11% | 13.69% | 1.95% |
| Q4 2024 | 22.64% | 22.64% | 23.90% | 13.90% | 1.92% |
| Q1 2025 | 22.41% | 22.41% | 23.66% | 12.88% | 1.94% |
| Q2 2025 | 23.40% | 23.40% | 24.66% | 13.29% | 2.01% |
| Q3 2025 | 24.26% | 24.26% | 25.51% | 14.00% | 2.34% |
| Q4 2025 | 24.25% | 24.25% | 25.50% | 14.08% | 1.92% |
| Q1 2026 | 23.87% | 23.87% | 25.13% | 13.31% | 2.07% |
| Q2 2026 | 24.51% | 24.51% | 25.77% | 13.67% | 1.99% |
Bank of Odessa vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Odessa, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)