Bank Of Odessa (FDIC #9803): Bank Stress & Real-Estate Credit Exposure

Bank Of Odessa (FDIC Cert #9803): bank stress 37/100, contained, STABLE over 7 days; parent COUNTRY AGENCIES&INVESTMENTS.

Bank Of Odessa (#9803) lends in 3 counties across 1 state; Bank Of Odessa (#9803) reaches 88 ZIP codes: Missouri 3 counties, 88 ZIPs.

Bank Of Odessa (#9803) largest markets: Jackson County, MO (58 branches, 58 ZIPs) (#9803), Lafayette County, MO (32 branches, 16 ZIPs) (#9803), Pettis County, MO (15 branches, 15 ZIPs) (#9803).

Bank Of Odessa (#9803) reports $667.1 million in total assets; Bank Of Odessa (#9803) equity $91.6 million (13.7% of Bank Of Odessa (#9803) assets); Bank Of Odessa (#9803) domestic deposits $567.0 million; Bank Of Odessa (#9803) net income $6.8 million; Bank Of Odessa (#9803) return on assets 2.04%; Bank Of Odessa (#9803) return on equity 15.01%; Bank Of Odessa (#9803) net interest income $13.2 million; Bank Of Odessa (#9803) call report June 30, 2026.

Bank Of Odessa (#9803) noncurrent real-estate loans 0.20% of its book; Bank Of Odessa (#9803) residential 0.45%; Bank Of Odessa (#9803) net charge-offs on real estate 2.19%; Bank Of Odessa (#9803) multifamily charge-offs 9.30%; Bank Of Odessa (#9803) residential charge-offs 1.42%.

Bank Of Odessa (#9803) net interest margin 4.11% against an eight-quarter Bank Of Odessa (#9803) average of 4.02% (Bank Of Odessa (#9803) compression -0.09 points); Bank Of Odessa (#9803) real-estate loans 19.7% of equity; Bank Of Odessa (#9803) non-residential real estate 141.5% of equity; Bank Of Odessa (#9803) rate-exposure score 40/100, Bank Of Odessa (#9803) fixed-rate trap 40/100; Bank Of Odessa (#9803) risk type rate trapped; Bank Of Odessa (#9803) rate regime rates elevated, Bank Of Odessa (#9803) snapshot October 19, 2026.

Bank Of Odessa (#9803) stress score moved from 36.5 on June 22, 2026 to 36.6 on October 19, 2026; Bank Of Odessa (#9803) ranged 36.5 to 36.6 over 116 snapshots.

Bank Of Odessa (#9803) alerts: 3 counties; top Bank Of Odessa (#9803) alert scores: La Monte County, MO 15 (low); Oak Grove County, MO 15 (low); Odessa County, MO 15 (low).