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Tbo Bank
Orrick, MO · FDIC Certificate #10597 · Chartered 07/0
Total assets
$224.83M
Total deposits
$195.76M
Total equity
$22.70M
Net loans
$172.64M
Branches (offices)
2
Net income (YTD)
$838.00K
Rank: #2,838 of 4,213 U.S. banks by assets · #117 of 190 in Missouri. Assets changed 10.4% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.52% |
| Net interest margin (YTD) | 91.06% |
| Equity to assets | 10.10% |
| Tier 1 leverage ratio | 10.87% |
| Uninsured deposits (share of deposits) | 57.8% |
| Noncurrent loans (share of loans) | 1.69% |
| Net charge-offs (share of loans) | 34.35% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 46.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.60M | 46.1% | |
| Commercial & industrial | $9.52M | 5.5% | |
| Consumer / individual | $88.35M | 51.2% | |
| Construction & development | $20.91M | 12.1% | |
| Agricultural | $1.21M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $47.07M | $43.36M | $52.00K | $3.64M |
| Jun 2023 | $60.17M | $53.76M | $372.00K | $5.07M |
| Jun 2024 | $119.88M | $100.49M | $493.00K | $16.32M |
| Jun 2025 | $203.69M | $177.50M | $1.00M | $18.37M |
| Jun 2026 | $224.83M | $195.76M | $838.00K | $22.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $157.38M | 1 |
| Missouri | $38.38M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $195.76M.
Similar-sized banks
Unity National Bank Of Houston ($224.86M) · First State Bank Of Bedias ($224.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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