Bank Comparison
First Midwest Bank of Dexter vs Bank of Odessa
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| CET1 Ratio | — | 23.87% |
| Tier 1 Capital Ratio | — | 23.87% |
| Total Capital Ratio | — | 25.13% |
| Tier 1 Leverage Ratio | 10.54% | 13.31% |
| Equity / Assets | 10.16% | 13.18% |
Profitability
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 2.07% |
| Return on Equity (ROE) | 17.94% | 15.32% |
| Net Interest Margin (NIM) | 3.96% | 4.08% |
| Yield on Earning Assets | 6.33% | 6.68% |
| Cost of Funds | 2.53% | 2.98% |
Asset quality
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| Texas Ratio | 10.79% | 11.04% |
| Non-Performing Loan Ratio | 0.53% | 0.93% |
| Non-Performing Asset Ratio | 0.46% | 0.77% |
| Net Charge-Off Ratio | 0.01% | 0.52% |
| ACL / Loans | 0.92% | 1.30% |
Balance sheet
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| Total Assets | $663,036K | $669,531K |
| Total Deposits | $527,008K | $572,535K |
| Total Loans | $568,173K | $453,858K |
| Total Equity | $67,385K | $88,254K |
| Net Income (quarter) | $2,968K | $3,429K |
Liquidity & funding
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| Loan-to-Deposit Ratio | 107.81% | 79.27% |
| Core Deposit Ratio | 90.77% | 86.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Midwest Bank of Dexter | Bank of Odessa |
|---|---|---|
| Headquarters City | DEXTER | ODESSA |
| Headquarters State | MO | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 97 | 54 |
| Established | Jan. 15, 1964, midnight | Jan. 1, 1880, 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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