Bank Comparison
Verimore Bank vs Bank of Odessa
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| CET1 Ratio | 14.18% | 23.87% |
| Tier 1 Capital Ratio | 14.18% | 23.87% |
| Total Capital Ratio | 15.44% | 25.13% |
| Tier 1 Leverage Ratio | 10.58% | 13.31% |
| Equity / Assets | 10.79% | 13.18% |
Profitability
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 2.07% |
| Return on Equity (ROE) | 17.32% | 15.32% |
| Net Interest Margin (NIM) | 4.29% | 4.08% |
| Yield on Earning Assets | 6.23% | 6.68% |
| Cost of Funds | 2.08% | 2.98% |
Asset quality
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| Texas Ratio | 2.05% | 11.04% |
| Non-Performing Loan Ratio | 0.28% | 0.93% |
| Non-Performing Asset Ratio | 0.22% | 0.77% |
| Net Charge-Off Ratio | -0.02% | 0.52% |
| ACL / Loans | 1.18% | 1.30% |
Balance sheet
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| Total Assets | $649,717K | $669,531K |
| Total Deposits | $557,209K | $572,535K |
| Total Loans | $504,854K | $453,858K |
| Total Equity | $70,101K | $88,254K |
| Net Income (quarter) | $3,017K | $3,429K |
Liquidity & funding
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| Loan-to-Deposit Ratio | 90.60% | 79.27% |
| Core Deposit Ratio | 92.99% | 86.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Verimore Bank | Bank of Odessa |
|---|---|---|
| Headquarters City | BROOKFIELD | ODESSA |
| Headquarters State | MO | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 92 | 54 |
| Established | May 1, 1934, 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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