Tbo Bank
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Data as of · sourced from FFIEC call reports. How we update
Tbo Bank is an FDIC-insured commercial bank headquartered in Orrick, MO, established in 1902 (FDIC certificate 10597), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $224.8M, up 10.4% from Q2 2025, the 117th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10597
- Headquarters
- Orrick, MO
- Established
- 1902
- Total assets, Q2 2026
- $224.8M
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 11.73%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101902201
- Holding company
- ORRICK FINANCIAL CORPORATION
- Asset rank in state
- 117th of 191 in Missouri
Problem loans are rising at Tbo Bank. Its balance sheet stood at $225 million at June 30, 2026, up 10.4% from a year earlier; it is based in Orrick, Missouri. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.69% of loans from 0.00% a year earlier. It grew its loan book 34.2% over the year, 6.3 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 11.73% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 34.2% and deposits rose 10.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Tbo Bank reported a CET1 capital ratio of 11.73%, a return on assets of 0.94%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 10.64%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Tbo Bank is the 117th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 8.9% to $224.8M, loans rose 8.2% and deposits fell 10.3%. Its loan book on June 30, 2026 was led by other consumer loans, at 49.2% of total loans, followed by non-owner-occupied commercial real estate loans at 19.1%. Its 2 offices in the FDIC Summary of Deposits are in Prairie Village, KS and Orrick, MO; its Prairie Village office books 80% of its branch deposits. On its Q2 2026 call report, Tbo Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 113 E South Front St, Orrick, MO 64077
- County
- Ray
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 2, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $195.8M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $28.5M
- Average total assets
- $210.0M
- Average total loans
- $170.8M
- Average interest-bearing deposits
- $144.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10597
- Fed RSSD
- 1003950
- SEC CIK
- 2005137 → filed by ORRICK FINANCIAL CORPORATION
- Website
- www.tbobank.com →
- Parent Holding Company
- ORRICK FINANCIAL CORPORATION (RSSD 5903786)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Tbo Bank's total assets ranged from $77.8M (Q3 2023) to $246.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$224.8M total assets against $203.7M; $202.1M total liabilities against $185.3M.
$172.6M net loans and leases against $125.6M; $195.8M total deposits against $177.5M.
$16.7M securities against $19.1M; $13.6M cash and balances due against $33.0M.
$44.4M total interest income against $51.4M; $1.1M total interest expense against $766K.
$43.3M net interest income against $50.6M.
$456K total noninterest income against $221K; $32.0M total noninterest expense against $36.3M.
$11.2M provision for credit losses against $13.8M.
$496K net income against $541K.
0.94% return on assets against 1.38%; 82.63% net interest margin against 130.59%.
11.73% CET1 capital ratio against 11.80%; 10.87% tier 1 leverage ratio against 11.74%.
Inside the full Tbo Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Tbo Bank rankings
Its closest position to the top of a national ranking is 582 of 3,640, for Texas Ratio; its furthest is 1,801 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q1 2026) to 1.63% (Q3 2025) and its net interest margin ran from 82.63% (Q2 2026) to 142.65% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 0.94% | 1.69% | 10.64% | 82.63% |
| Q1 2026 | 11.76% | 0.69% | 2.16% | 12.24% | 96.69% |
| Q4 2025 | 11.99% | 1.27% | 3.52% | 17.67% | 126.83% |
| Q3 2025 | 11.53% | 1.63% | 1.36% | 6.66% | 133.13% |
| Q2 2025 | 11.80% | 1.38% | 0.00% | 0.00% | 130.59% |
| Q1 2025 | 15.64% | 1.24% | 0.00% | 0.00% | 109.47% |
| Q4 2024 | 15.55% | 1.10% | 0.00% | 0.00% | 123.81% |
| Q3 2024 | 15.92% | 1.29% | 0.00% | 0.00% | 142.65% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Prairie Village Branch | Prairie Village , KS | 66208 | $157.4M |
| Tbo Bank (main office) | Orrick , MO | 64077 | $38.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 16, 1961 | Structure Change | Acquired Citizens Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 236 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tbo Bank
What are Tbo Bank's total assets?
As of the Q2 2026 filing, Tbo Bank reported total assets of $224.8 million in its FFIEC call report.
Where is Tbo Bank headquartered?
It is headquartered in Orrick, MO, United States.
When was Tbo Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Tbo Bank FDIC-insured?
Yes. It 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.
What is Tbo Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Tbo Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tbo Bank's Texas Ratio?
Its Texas Ratio is 10.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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