Side-by-side · Q2 2026 data
Bank of Odessa vs Phelps County Bank
Metric by metric
| Measure | Bank of Odessa | Phelps County Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 87 (stronger) | 39 |
| Loan quality | 29 | 61 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 78 | 79 (stronger) |
| Peer percentile | 50th | 20th |
| Total assets | $667.1M | $621.7M |
| Deposits / shares | $567.0M | $565.5M |
| Capital ratio | 13.67% (stronger) | 8.88% |
| Problem loans | 2.12% | 1.16% (stronger) |
| Net charge-offs | 0.27% | 0.01% (stronger) |
| Return on assets | 2.04% (stronger) | 1.36% |
| Loans ÷ deposits | 79.3% (stronger) | 82.4% |
| Uninsured deposits | 20.7% | 19.8% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Bank of Odessa has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Bank of Odessa leads on 4 and Phelps County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.