Bank Comparison
Bank of Odessa vs Finance Factors, Limited
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| CET1 Ratio | 23.87% | 15.54% |
| Tier 1 Capital Ratio | 23.87% | 15.54% |
| Total Capital Ratio | 25.13% | 16.81% |
| Tier 1 Leverage Ratio | 13.31% | 11.69% |
| Equity / Assets | 13.18% | 11.56% |
Profitability
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| Return on Assets (ROA) | 2.07% | -0.47% |
| Return on Equity (ROE) | 15.32% | -4.13% |
| Net Interest Margin (NIM) | 4.08% | 2.74% |
| Yield on Earning Assets | 6.68% | 5.55% |
| Cost of Funds | 2.98% | 2.89% |
Asset quality
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| Texas Ratio | 11.04% | 21.59% |
| Non-Performing Loan Ratio | 0.93% | 3.50% |
| Non-Performing Asset Ratio | 0.77% | 2.40% |
| Net Charge-Off Ratio | 0.52% | -0.01% |
| ACL / Loans | 1.30% | 2.52% |
Balance sheet
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| Total Assets | $669,531K | $669,428K |
| Total Deposits | $572,535K | $520,928K |
| Total Loans | $453,858K | $458,780K |
| Total Equity | $88,254K | $77,384K |
| Net Income (quarter) | $3,429K | $-800 |
Liquidity & funding
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| Loan-to-Deposit Ratio | 79.27% | 88.07% |
| Core Deposit Ratio | 86.38% | 86.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Odessa | Finance Factors, Limited |
|---|---|---|
| Headquarters City | ODESSA | HONOLULU |
| Headquarters State | MO | HI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 14 |
| Employees (FTE) | 54 | 108 |
| Established | Jan. 1, 1880, midnight | May 14, 1952, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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