Side-by-side · Q2 2026 data
Bank 21 vs Bank of Odessa
Metric by metric
| Measure | Bank 21 | Bank of Odessa |
|---|---|---|
| TellerScore | 79 (stronger) | 72 |
| Capital cushion | 65 | 87 (stronger) |
| Loan quality | 98 (stronger) | 29 |
| Earnings | 100 | 100 |
| Funding & liquidity | 37 | 74 (stronger) |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 75th | 50th |
| Total assets | $202.1M | $667.1M |
| Deposits / shares | $164.7M | $567.0M |
| Capital ratio | 11.51% | 13.67% (stronger) |
| Problem loans | 0.05% (stronger) | 2.12% |
| Net charge-offs | -0.04% (stronger) | 0.27% |
| Return on assets | 2.72% (stronger) | 2.04% |
| Loans ÷ deposits | 109.6% | 79.3% (stronger) |
| Uninsured deposits | 27.1% | 20.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
Bank 21 has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank 21 leads on 4 and Bank of Odessa on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.