TBO BANK

ORRICK, MO | Small | Est. July 2, 1902, midnight | FDIC #10597 | RSSD #1003950 | FDIC
Latest Report: 2025-12-31

TBO BANK is asn small FDIC-insured commercial bank headquartered in ORRICK, MO, established in July 2, 1902, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $180M. Profitability stands at 1.21% ROA and 11.70% ROE, with a net interest margin of 128.93%. The bank's CET1 capital ratio is 11.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.34% and a Texas Ratio of 6.64%. FDIC Certificate #10597.

Assets

$209M

Deposits

$180M

Loans

$154M

Equity

$22M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 11.70%
Net Interest Margin (NIM) 128.93%
Yield on Assets 131.08%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 1.34%
Net Charge-Off Ratio 41.12%
Texas Ratio 6.64%
NPA Ratio 0.99%
ACL / Loans 5.93%

Capital & Liquidity

CET1 Ratio 11.99%
Tier 1 Capital 11.99%
Total Capital Ratio 13.29%
Leverage Ratio 10.98%
Loan-to-Deposit 85.61%

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