Bank of Odessa: how it compares with its peers
Against 70 MO banks with half to twice its assets, Bank of Odessa's strongest measure in Q2 2026 is efficiency ratio (33.30% vs. a 56.78% peer median). Its weakest relative measure is net interest margin (4.11% vs. 4.17%).
| Measure | Bank of Odessa | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.04% | 1.60% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 4.17% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 33.30% | 56.78% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.4M | $6.9M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.33% | 89.40% | Context |
What it means for lending operations
Its efficiency ratio of 33.30% is better than the 56.78% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank and Trust Company, Inc. Caruthersville, MO · $659M
- First Midwest Bank of Dexter Dexter, MO · $652M
- Verimore Bank Brookfield, MO · $639M
- Legends Bank Linn, MO · $636M
- Phelps County Bank Rolla, MO · $622M
- First Midwest Bank of the Ozarks Poplar Bluff, MO · $733M
Questions about Bank of Odessa
How big is Bank of Odessa?
Bank of Odessa, established in 1880, is headquartered in Odessa, MO. It reported $667M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Odessa's return on assets?
2.04% annualized in Q2 2026, against a 1.60% median for 70 MO banks with half to twice its assets, ahead of 74% of them.
What is Bank of Odessa's efficiency ratio?
33.30% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 56.78%, and lower is better.
Is Bank of Odessa growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 9.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.