TBO Bank

Chartered Bank Active FDIC Insured
Health Score
7.3 / 10

113 E South Front St, Orrick, MO 64077

Financial Overview

Total Assets $246.9M
Total Deposits $218.3M
Profitability (ROA) 0.60%
Shareholder Return (ROE) 6.19%
Capital Cushion (Eq/Assets) 8.99%
Established 07/02/1902

Financial Health Analysis

TBO Bank is a currently active commercial lending specialization banking institution headquartered in Orrick, Missouri. Established in 07/02/1902, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, TBO Bank manages $246.9M in total assets and holds $218.3M in customer deposits. When evaluating the stability of TBO Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.99%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.60%, while its Return on Equity (ROE) sits at 6.19%. These metrics result in a moderate health score of 7.3 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$109.1M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.tbobank.com

FDIC Certificate #: 10597

Specialization: Commercial Lending Specialization

Location

113 E South Front St

Orrick, Missouri 64077

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