TBO Bank
Orrick, MO
IDRSSD: 1003950
Total Assets
$208.68M
Latest filing
Total Deposits
$179.71M
Latest filing
Net Interest Margin
132.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
101902201ORRICK, MO101919689ORRICK, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
TBO Bank
113 E South Front St
Orrick, MO 64077
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/02/1902FDIC Certificate 6792
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| TBO Bank (Main) | 113 E South Front St | Orrick, MO | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/02/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64077 |
| State and County Number | 29177 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/04/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.tbobank.com |
| Data Updated | 01/30/2026 |
| CERT | 10597 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $208.68M |
| Total Deposits | $179.71M |
| Total Liabilities | $186.67M |
| Total Equity Capital | $22.00M |
| Net Income | $634.00k |
| Net Loans and Leases | $146.77M |
| Assets Per Employee ($Millions) | $3.6M |
| Bank Premises and Fixed Assets | $1.25M |
| Cash and Balances due from Depository Institutions | $15.55M |
| Deposits Held in Domestic Offices | $179.71M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 11.72% |
| Net Interest Margin | 132.9% |
| Efficiency Ratio | 68.42% |
| Tier 1 Risk-Based Capital Ratio | 12.024% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 33.91% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.544% |
| Earning Assets to total Assets | 85.42% |
Income and Expense
| Total Interest Income | $59.71M |
| Total Noninterest Income | $274.00k |
| Total Interest Expense | $1.04M |
| Total Noninterest Expense | $40.37M |
| Net Interest Income | $58.68M |
| Pre-tax Net Operating Income | $847.00k |
| Provision for Credit Losses | $17.74M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.96M |
| Total Liabilities and Capital | $208.68M |
Securities
| Securities | $17.80M |
| Available-for-sale debt securities | $17.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of TBO Bank?
$208.68M as of the latest filing.
How much are TBO Bank's total deposits?
$179.71M in total deposits.
Where is TBO Bank located?
Orrick, MO.
What is the Net Interest Margin?
132.90%.
How many domestic offices does it operate?
1.
When was it established?
07/02/1902.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$146.77M (latest filing).
What is the total interest income (latest filing)?
$59.71M.