Bank of Odessa: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 1.2%, from $4.2M to $4.2M, the largest move among the key lines here. Within Missouri, Bank of Odessa is 94th of 192 on net interest margin, 4.05% as of Q2 2026, above the middle of the field. At 4.05%, Bank of Odessa's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.59% |
| Yield on loans | 7.84% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.26% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $4.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.67% | 2.75% | 3.24% | 6.44% | 2.02% |
| Q4 2023 | 6.15% | 3.02% | 3.50% | 6.82% | 2.89% |
| Q1 2024 | 6.29% | 3.18% | 3.48% | 7.03% | 2.79% |
| Q2 2024 | 6.62% | 3.29% | 3.73% | 7.29% | 3.60% |
| Q3 2024 | 7.40% | 3.38% | 4.42% | 7.52% | 7.53% |
| Q4 2024 | 7.02% | 3.37% | 4.05% | 7.70% | 4.61% |
| Q1 2025 | 6.72% | 3.27% | 3.82% | 7.61% | 4.40% |
| Q2 2025 | 6.80% | 3.22% | 3.96% | 7.78% | 4.32% |
| Q3 2025 | 7.08% | 3.13% | 4.32% | 8.02% | 4.44% |
| Q4 2025 | 6.78% | 3.10% | 4.07% | 7.83% | 4.17% |
| Q1 2026 | 6.68% | 2.96% | 4.08% | 7.95% | 3.92% |
| Q2 2026 | 6.59% | 2.89% | 4.05% | 7.84% | 3.89% |
Bank of Odessa yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Odessa, freeSource: Call Report Schedules RI and RC-K, 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)