Tbo Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tbo Bank of Orrick, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.94% | 1.35% | -0.41% | 30th below |
| ROAE | 8.84% | 12.06% | -3.22% | 29th below |
| Net Interest Margin | 82.63% | 3.87% | +78.76% | 100th top |
| Efficiency Ratio | 72.90% | 63.15% | +9.75% | 23rd bottom |
| PPNR / Avg Assets | 22.53% | 1.63% | +20.90% | 100th top |
| Yield on Earning Assets | 84.67% | 5.62% | +79.05% | 100th top |
| Cost of Funds | 2.16% | 1.85% | +0.31% | 28th below |
| Net Interest Spread | 81.90% | 3.32% | +78.58% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 0.92% | +0.62% | 18th bottom |
| NPA / Total Assets | 1.23% | 0.67% | +0.56% | 15th bottom |
| NCO / Avg Loans | 29.22% | 0.13% | +29.09% | 0th bottom |
| ACL / Total Loans | 3.44% | 1.28% | +2.16% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.97% | 1645.74% | -1422.77% | 51st above |
| Texas Ratio | 10.99% | 7.15% | +3.84% | 20th bottom |
| Provision / NCO | 89.59% | 1189.87% | -1100.28% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.73% | 20.84% | -9.11% | 14th bottom |
| Tier 1 Ratio | 11.73% | 20.87% | -9.14% | 14th bottom |
| Total Capital Ratio | 13.00% | 21.94% | -8.94% | 16th bottom |
| Leverage Ratio | 10.87% | 12.46% | -1.59% | 48th below |
| Equity / Assets | 10.10% | 11.67% | -1.57% | 46th below |
| TCE / Tangible Assets | 9.93% | 11.40% | -1.47% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.33% | 78.64% | +12.69% | 26th below |
| Core Deposit Ratio | 93.37% | 87.09% | +6.28% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.38% | 6.47% | +3.91% | 84th top |
| Loan Growth (Y/Y) | 34.23% | 7.63% | +26.60% | 97th top |
| Deposit Growth (Y/Y) | 10.29% | 6.02% | +4.27% | 84th top |
See Tbo Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tbo Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tbo Bank profile, how to read a UBPR, or how this data updates.