FDIC Cert #10597 · Orrick, Missouri · Est. 1902

TBO Bank - FDIC Bank Health Profile

A community-scale look at TBO Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$209M
Total assets
B
Health grade · Good
1.30%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

TBO Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.99% Tier 1, profitable at 1.30% ROA, 68% efficiency ratio.

#2,952
largest of 4,313 FDIC banks by assets
32nd
percentile by asset size, nationally
11.99%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10597 · MO B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3463/4307
  • PHOTO-FINISH First Southeast Bank · MN
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-HEALTHY 17.4% Texas
  • ROA-STRONG 1.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: First Southeast Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around TBO Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Southeast Bank · MN · …66/100Flatwater Bank · NE · near66/100Jonestown Bank and T… · PA ·…66/100TBO Bank · MO · this bank66/100The Kansas State Bank · KS ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TBO Bank · July 2026

Call Report read for TBO Bank in a high-failure state

TBO Bank (FDIC Cert #10597) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,463 of 4,307. Tier 1 capital prints at 11.99%, clearing the 10% well-capitalized line. The Texas Ratio is 17.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.30%. Balance-sheet scale is $209M, 2,952nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Southeast Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around TBO Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

TBO Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about TBO Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How TBO Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
TBO Bank's composite health score
Tier 1 Capital Ratio (11.99%) 28/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (17.39%) 10/20
Efficiency Ratio (67.89%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$209M

Total balance-sheet footings

Total Deposits

$180M

Customer-funded liabilities

Net Loans

$145M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.59% 11.99% 13.39%
Basel III capital ratios - TBO Bank

Where TBO Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TBO Bank's score of 66/100 falls in the highlighted band.

TBO Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. TBO Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

TBO Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). TBO Bank's $209M falls in the highlighted band.

Capital & credit buffers at TBO Bank

Tier 1 capital ratio
Well-capitalized 10%

11.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.99%
Texas Ratio
17.39%
Equity Capital
$22M

What these ratios mean →

Earnings posture at TBO Bank

Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
12.47%
Efficiency Ratio
67.89%

What these mean →

Income & expense at TBO Bank

$220M
Interest Income
$703K
Non-Interest Income
$147M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. TBO Bank reports a Texas Ratio of 17.39% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View TBO Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($209M here), outside Missouri so the neighborhood is not state containment.

The Farmers State Bank and Trust Comp… $209M · IL BANK $209M · IA Cypress Bank & Trust $209M · FL Oklahoma Bank and Trust Company $209M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TBO Bank (FDIC Cert #10597) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

TBO Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%