BlastPoint's Banking Scorecard
TBO Bank
Orrick, MO
2 branches across KS · MO
TBO Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 91.78% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency Ratio 3.63% above tier average
- - Delinquency Rate 1.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.9M
+51.1% YoY
+18.0% QoQ
|
-$139.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$157.8M
+74.5% YoY
+9.0% QoQ
|
-$97.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$218.3M
+55.3% YoY
+21.4% QoQ
|
-$109.7M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.60%
-51.3% YoY
-53.9% QoQ
|
-0.67% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
95.71%
-23.7% YoY
-30.5% QoQ
|
+91.78% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 0.1% in tier |
| Efficiency Ratio ? |
68.91%
-5.1% YoY
+1.5% QoQ
|
+3.63% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
2.27%
-39.4% QoQ
|
+1.38% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
72.30%
+12.4% YoY
-10.2% QoQ
|
-4.34% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
24.90%
-25.9% YoY
-8.5% QoQ
|
+2.88% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.45%
-44.0% QoQ
|
+0.81% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.0% in tier |
| Tier 1 Capital Ratio ? |
11.76%
-24.8% YoY
-1.9% QoQ
|
-4.07% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.18%
+164.7% YoY
-45.0% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.