Bank of Odessa
Odessa, MO
IDRSSD: 819453
Total Assets
$649.83M
Latest filing
Total Deposits
$545.56M
Latest filing
Net Interest Margin
4.12%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
101904186ODESSA, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Odessa
301 W Us Highway 40
Odessa, MO 64076
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1880FDIC Certificate 6278
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Odessa (Main) | 301 W Us Highway 40 | Odessa, MO |
| LA MONTE BRANCH | 201 E Front St | La Monte, MO |
| DRIVE-IN FACILITY | 201 S 2nd St | Odessa, MO |
| OAK GROVE BRANCH | 1114 S Broadway | Oak Grove, MO |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64076 |
| State and County Number | 29107 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/03/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.BANKOFODESSA.COM |
| Data Updated | 01/30/2026 |
| CERT | 9803 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $649.83M |
| Total Deposits | $545.56M |
| Total Liabilities | $559.02M |
| Total Equity Capital | $90.82M |
| Net Income | $3.08M |
| Net Loans and Leases | $457.14M |
| Assets Per Employee ($Millions) | $11.82M |
| Bank Premises and Fixed Assets | $1.74M |
| Cash and Balances due from Depository Institutions | $98.99M |
| Deposits Held in Domestic Offices | $545.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 13.83% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 31.5% |
| Tier 1 Risk-Based Capital Ratio | 24.249% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.975% |
| Earning Assets to total Assets | 97.23% |
Income and Expense
| Total Interest Income | $10.69M |
| Total Noninterest Income | $210.00k |
| Total Interest Expense | $4.27M |
| Total Noninterest Expense | $2.09M |
| Net Interest Income | $6.42M |
| Pre-tax Net Operating Income | $3.97M |
| Provision for Credit Losses | $575.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $427.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.37M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.46M |
| Total Liabilities and Capital | $649.83M |
Securities
| Securities | $75.52M |
| Available-for-sale debt securities | $39.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $36.29M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Odessa?
$649.83M as of the latest filing.
How much are Bank of Odessa's total deposits?
$545.56M in total deposits.
Where is Bank of Odessa located?
Odessa, MO.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1880.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$457.14M (latest filing).
What is the total interest income (latest filing)?
$10.69M.