| Metric | Bank of Odessa | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.9% | +1.4 pts |
| Deposit growth (YoY) | +9.0% | +4.3% | +4.7 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.6 pts |
| ROA | 2.04% | 1.28% | +0.8 pts |
| ROE | 15.0% | 12.4% | +2.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $667.1M | $567.0M | $449.8M | $91.6M | $6.8M | 2.04% | 4.11% | 1.59% |
| Q1 2026 | $669.5M | $572.5M | $448.0M | $88.3M | $3.4M | 2.08% | 4.12% | 1.52% |
| Q4 2025 | $649.8M | $545.6M | $457.1M | $90.8M | $13.0M | 2.05% | 4.09% | 1.44% |
| Q3 2025 | $633.9M | $532.7M | $441.2M | $87.7M | $9.9M | 2.09% | 4.09% | 1.80% |
| Q2 2025 | $627.8M | $520.3M | $437.9M | $84.0M | $6.2M | 1.98% | 3.97% | 1.16% |
| Q1 2025 | $640.6M | $525.7M | $443.1M | $80.8M | $3.0M | 1.94% | 3.88% | 1.60% |
| Q4 2024 | $612.1M | $495.9M | $448.5M | $82.9M | $11.2M | 1.92% | 3.98% | 1.53% |
| Q3 2024 | $591.8M | $478.6M | $446.9M | $80.2M | $8.3M | 1.93% | 3.94% | 1.56% |
Loan mix (Q2 2026): real estate $400.5M · commercial $34.8M · consumer $14.2M · securities $96.7M
| Ratio | Bank of Odessa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.3% | 61.2% | 2th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Odessa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Odessa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Odessa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Odessa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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