TBO BANK
TBO BANK is an FDIC-insured commercial bank headquartered in ORRICK, MO, established in 1902. As of , 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 126.93%. CET1 capital ratio: 11.99%, well above regulatory minimums. NPL ratio: 1.41% · Texas Ratio: 6.96%. Operates 1 domestic branch.
Profitability
Capital & Liquidity
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.99% | 1.21% | 1.41% | 6.96% | 126.93% |
| 2025-09-30 | 11.53% | 1.48% | 1.45% | 6.97% | 133.16% |
| 2025-06-30 | 11.80% | 1.18% | 0.00% | 0.00% | 130.68% |
| 2025-03-31 | 15.64% | 1.23% | 0.00% | 0.00% | 109.52% |
| 2024-12-31 | 15.55% | 1.02% | 0.00% | 0.00% | 124.02% |
| 2024-09-30 | 15.92% | 1.13% | 0.00% | 0.00% | 142.79% |
| 2024-06-30 | 18.13% | 0.89% | 0.09% | 0.40% | 104.81% |
| 2024-03-31 | 12.45% | 0.91% | 0.28% | 1.92% | 101.02% |
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Frequently asked about TBO BANK
What are Tbo Bank's total assets?
As of the Q4 2025 filing, Tbo Bank reported total assets of $209.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tbo Bank headquartered?
Tbo Bank is headquartered in ORRICK, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Tbo Bank founded?
Tbo Bank was established in 1902, per the FDIC institution directory.
Is Tbo Bank FDIC-insured?
Yes. Tbo Bank is an FDIC-insured commercial bank (FDIC Certificate #10597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tbo Bank?
Tbo Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Tbo Bank's CET1 capital ratio?
Tbo Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.99% in its most recent quarterly filing — above regulatory minimums.
How many branches does Tbo Bank operate?
Tbo Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Tbo Bank's Texas Ratio?
Tbo Bank's Texas Ratio is 6.96% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.