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Bank Of Odessa
Odessa, MO · FDIC Certificate #9803 · Chartered 01/0
Total assets
$667.10M
Total deposits
$567.05M
Total equity
$91.56M
Net loans
$449.85M
Branches (offices)
4
Net income (YTD)
$6.77M
Rank: #1,419 of 4,213 U.S. banks by assets · #55 of 190 in Missouri. Assets changed 6.3% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.04% |
| Return on equity | 15.01% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 13.72% |
| Tier 1 leverage ratio | 13.67% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 2.12% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $400.54M | 89.0% | |
| Commercial & industrial | $34.75M | 7.7% | |
| Consumer / individual | $14.15M | 3.1% | |
| Construction & development | $49.00M | 10.9% | |
| Agricultural | $5.88M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $367.52M | $312.89M | $3.04M | $52.14M |
| Jun 2023 | $537.18M | $453.86M | $3.35M | $71.46M |
| Jun 2024 | $579.35M | $469.51M | $5.47M | $77.10M |
| Jun 2025 | $627.75M | $520.27M | $6.21M | $84.00M |
| Jun 2026 | $667.10M | $567.05M | $6.77M | $91.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $567.05M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $567.05M.
Similar-sized banks
Community State Bank ($667.47M) · Concordia Bank & Trust Company ($667.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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