# BANK OF ODESSA
ODESSA, MO · FDIC certificate 9803 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $667.1M | |
| Deposits | $567.0M | |
| Loans and leases | $455.8M | |
| Total equity | $91.6M | |
| Loans / deposits | 79.33% (p44 of band) | 82.04% |
| Liquid assets / assets | 30.41% (p65 of band) | |
| Uninsured deposits / deposits | 20.74% (p31 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.75% (p32 of band) | |
| FHLB advances / assets | 0.75% | |
| Tier 1 leverage | 13.67% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -0.35% (p92 of band) | -8.10% |
| AOCI / equity | -0.25% (p56 of band) | |
| ROA (annualized) | 2.04% (p87 of band) | 1.28% |
| Net interest margin | 4.11% (p61 of band) | 3.91% |
| Efficiency ratio | 33.30% (p2 of band) | |
| Noncurrent loans | 2.12% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p91 of band) | |
| Reserve coverage of noncurrent | 62.02% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 53.51% (p59 of band) | |
| Auto loans | $7.7M (1.68% of loans; DQ 8.88%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | deposits shrinking |  |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | capital falling | loans exceed deposits |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 2 | capital falling | reserve under noncurrent |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 4 | capital falling, noncurrent p90 |  |
| 2021-09 | 2 |  | charge-offs p90, capital falling |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 1 | loans exceed deposits | noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 | capital falling | loans exceed deposits |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 1 |  | noncurrent p90 |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-02-06 [Holding company merges one of KC's oldest banks into another regional brand - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZk9UQkFrQUpXV2wzLWt6V3QtZG5DSDA1MktTWFlGbU12VWlZX0RjZ0N3Vmdpcnd2RzY4VV9hMnZpYnBBNlVxVkwtY3V2YXVhWjNTbW9jV3NEMFVWbVdPa01QUjRlbVVsMVRieWJFblIxSDIwRkQ2SnZFdVRsMnF2T2xMbFVTVU10YVZ1VDVOaXNpdFZ3TlJBMjI1cVdoWERFX1h3SVloZXJrOTVSeXY4?oc=5) · The Business Journals
- 2022-06-23 [Western District of Missouri | Independence Man Sentenced to 15 Years for Three Bank Robberies - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYUo5ZWZaOUk2aHAzY20wT3JmSkZhZWM5eG5iMDVVak5yVUU4QjF6UEJSSWJQaWxya1hyQlVPUEw5ek0yRnI4VkFZTlRIMDZndHNtbTFkci1SUWN6OWF4aWt3NThTWmdzZDh3WnB0MGUtRXBVM0J6aWJFYWdFdEQtdW9Jakg4cjZqWHF6WF9RRDBPMWpsS1BzQg?oc=5) · Department of Justice (.gov)
- 2010-10-07 [Robert Oliphant Obituary Oct 7, 2010 - Speaks Chapels](https://news.google.com/rss/articles/CBMiZkFVX3lxTE03UUZZSlRiWGtIQWE5cjBTck5ENHdFWU5MSzM0S2RXSkMwbTlyWk9YUC00VkpVdGhkMVQtM1JQclBoWlQ5QmxLX0lBYVNvRGVXMXNzSFpYbHdxVGFJM21yazVJVWMyUQ?oc=5) · Speaks Chapels
- 2026-03-20 [Marjorie Louise Wilson Obituary (2026) - Odessa, MO - Ralph O. Jones Funeral Home - Odessa - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxQeTBRbWZKenRVczh1QWZpRHlpY2hOSnJuTkZIbE53NWRjSVQ1ZlZCY1RpdGRyV2xDa0Mzd2FJS1h6ZjM2TGhqazZGVlFJQjVXNjZLSEZCb2lmVTgyOXZYakZ5WENITHBOc0VNX1Q0U2o1NVdON3NvR050OFZER3psLVBQdFM?oc=5) · Legacy obituary
- 2018-09-01 [Trade website: 9 West Texas banks among best in nation to work at - Amarillo Globe-News](https://news.google.com/rss/articles/CBMixwFBVV95cUxQR3lGS0IyWUhvalBrWnViLXJDeFRjbVE3cHNkNklYMHZtQ19FTVBLTzVTVUVUTGdqcFAxNTFQYmFYLVdqeUxPVDlGTUlnQjZHTkJGbDN3ZWNNUTJLVEFPS0Y0TVlvbGJacXZ1Q3dxMjhDWUU5cGlia0RXTFNfTXh3SXY5NVRRV2RLMjNCUnZYQk1ZOFRQa3U4eVM4OVlPNGxtWXk4aDRZR1kySDZpb1BjSVNxNWp2eS13UTZKSTBFOFR3aW9nRGJZ?oc=5) · Amarillo Globe-News
- 2024-04-01 [Patricia “Patty” Lorraine (Yocum) Watson - KMZU.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNYXBqdVhLa3QxcVp0eGpCdnVDSVRYQjVUWTRJbzE3elZ0VFk5cjJ6U2l6SnU2NGp6NC1vS1l3MFlKTVpTakVaNmcyaktnMDd3YU1ZM1JGTHpPMUxHNDdyR3hheUJfU0Z4LTBCZXlQTnRqTEV1TEtFVG9YaFhHdUdQSlVPenpaZTdPb2hxZzFYQ3Jla3dmbTVQYUduQXhXbjNvMWd0ZlEwUzVHRC1nNzZnYUgxbGdNUVpTeUlrQ3kwV0tJaURNd1ZmSXM2dGVuN29NWFE?oc=5) · KMZU.com
- 2015-03-01 [Harriet Larkin Obituary (2015) - Winter Garden, FL - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimAFBVV95cUxQemdfWjFlTXMyVHJsWWF1UE1VY1VZNnA0cW84dk9GdDhqUXI2dlJyM1NmM1F2cjhaMk1oWV85aDl1MFl2NVgtZkhNQ19vNXNDYkdjVDA1V0pLcnBfeFlqTmJnYTh0cEQ5b3lTM1BPOUJjWEhMQTEyNUoxWHZWeTFaaG1tNHJaWTFnSWZRajdOU2Fia05JNzNiTg?oc=5) · Lawrence Journal-World
- 2024-04-03 [These 10 KC-area banks grew their loan portfolio the fastest in 2023 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNWjdfdVJTOXJ0THEzVU1iOFdYQ1pjcGJPU3NscnJVLVEtQ1hkMEFPV19VdXlCUndkdUpYOWs2WXVvTVVJMGNMa1BIUVgzVmNTenNTSjJORHpkbTZaUEo0bHB5Zl9SNmFYaWdBM2U4cjZSZEZGeVVKMEIzUC1hUU5DaWpkMU9ZUlhmQ0hlbUIyRDJBR1JzcG9hajRWNS1RQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9803 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "9803", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide