Tbo Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Net interest margin: 14.06 percentage points lower than in Q1 2026, at 82.63%. Within Missouri, Tbo Bank is 156th of 192 on return on assets, 0.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Tbo Bank sits 0.31 points lower, at 0.94% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 13.00% |
| Tier 1 leverage ratio | 10.87% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.54% |
| Non-performing assets ratio | 1.23% |
| Net charge-off ratio | 29.22% |
| Texas ratio | 10.99% |
| Allowance for credit losses to loans | 3.44% |
| Reserve coverage of non-performing loans | 222.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 8.84% |
| Net interest margin | 82.63% |
| Efficiency ratio | 72.90% |
| Yield on earning assets | 84.67% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.33% |
| Core deposits to total deposits | 93.37% |
| Brokered deposits to total deposits | 2.85% |
| Deposits to assets | 87.07% |
| Securities to assets | 7.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.08% | 15.08% | 15.67% | 11.52% | 2.56% |
| Q4 2023 | 11.14% | 11.14% | 11.53% | 9.84% | 2.19% |
| Q1 2024 | 12.45% | 12.45% | 12.79% | 10.42% | 0.94% |
| Q2 2024 | 18.13% | 18.13% | 18.44% | 15.41% | 0.94% |
| Q3 2024 | 15.92% | 15.92% | 17.22% | 15.77% | 1.29% |
| Q4 2024 | 15.55% | 15.55% | 16.85% | 14.17% | 1.10% |
| Q1 2025 | 15.64% | 15.64% | 16.93% | 12.03% | 1.24% |
| Q2 2025 | 11.80% | 11.80% | 13.09% | 11.74% | 1.38% |
| Q3 2025 | 11.53% | 11.53% | 12.84% | 11.30% | 1.63% |
| Q4 2025 | 11.99% | 11.99% | 13.29% | 10.98% | 1.27% |
| Q1 2026 | 11.76% | 11.76% | 13.05% | 11.29% | 0.69% |
| Q2 2026 | 11.73% | 11.73% | 13.00% | 10.87% | 0.94% |
Tbo Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tbo Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tbo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10597) · FFIEC NIC profile (RSSD 1003950)