BlastPoint's Banking Scorecard
Bank of Odessa
Community
Specialty: Other
MO
FDIC cert 9803
Odessa, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Bank of Odessa has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46% in Community
- + Efficiency Ratio 31.23% below tier
- + Tier 1 Capital Ratio 14.00% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 21% in Community
- - NIB Deposit Bleed: Bottom 64% in Community
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$649.8M
+6.2% YoY
+2.5% QoQ
|
-$741.6M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$457.1M
+1.9% YoY
+3.6% QoQ
|
-$518.3M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$545.6M
+10.0% YoY
+2.4% QoQ
|
-$619.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
2.05%
+6.7% YoY
-2.2% QoQ
|
+0.88% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.09%
+2.7% YoY
+0.0% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
31.40%
-8.2% YoY
+0.1% QoQ
|
-31.23% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.96%
-5.9% YoY
-21.5% QoQ
|
+1.33% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
83.79%
-7.3% YoY
+1.2% QoQ
|
+0.73% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
11.43%
-15.4% YoY
-2.4% QoQ
|
-9.62% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.44%
-5.9% YoY
-20.0% QoQ
|
+0.94% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
24.25%
+7.1% YoY
-0.0% QoQ
|
+14.00% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.18%
+10.8% YoY
+19.4% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#171 of 371 · Top 46% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.05%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.40%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.25%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#58 of 268 · Bottom 21% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
24.25%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
83.79%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#57 of 89 · Bottom 64% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.43%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 31.40% · Tier avg: 62.63%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.25% · Tier avg: 10.24%
92
92th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.16%
74
74th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 83.06%
24
24th pctile
Total Loans
Current: $457.1M · Tier avg: $975.5M
21
21th pctile
Total Assets
Current: $649.8M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $545.6M · Tier avg: $1.2B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.43% · Tier avg: 21.05%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.63%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
11
11th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.50%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.43% · Tier avg: 21.05%
20
20th pctile
Total Deposits
Current: $545.6M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $649.8M · Tier avg: $1.4B
24
24th pctile
Total Loans
Current: $457.1M · Tier avg: $975.5M
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 83.06%
74
74th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
92
92th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.16%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.25% · Tier avg: 10.24%
99
99th pctile
Efficiency Ratio
Current: 31.40% · Tier avg: 62.63%