The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 4 points (76 → 72), mostly because the loan quality component weakened by 21 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. Bank of Odessa is an FDIC-insured institution (FDIC certificate #9803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($117.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.77% (benchmark: 10%).

Check how much of your own balance is covered

Bank of Odessa lists 3 offices in 3 cities. Most locations:

• La Monte, MO (1)
• Oak Grove, MO (1)
• Odessa, MO (1)

All branch addresses and map

In 2025, Bank of Odessa reported 298 home-loan applications under HMDA (LEI 5493001TX1L6BVUQ0J60): 285 originated ($61,595,000 total), 8 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank of Odessa

Type

State-chartered bank

FDIC certificate #

9803

RSSD ID

819453

Primary regulator

FDIC

Holding company

Country Agencies&investments

Established

January 1, 1880

Headquarters

301 W Us Highway 40, Odessa, MO 64076

Website

www.bankofodessa.com

Employees

54