BlastPoint's Banking Scorecard
TBO Bank
Orrick, MO
2 branches across KS · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +10.3% year over year ($195.8M on the books).
- Delinquency rate 1.75%.
- Return on assets 0.74%.
- Efficiency ratio 70.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TBO Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 87.07% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency Ratio 6.34% above tier average
- - Delinquency Rate 0.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$224.8M
+10.4% YoY
-8.9% QoQ
|
-$161.7M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$172.6M
+37.4% YoY
+9.4% QoQ
|
-$85.7M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$195.8M
+10.3% YoY
-10.3% QoQ
|
-$131.0M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
0.74%
-38.2% YoY
+23.1% QoQ
|
-0.58% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
91.06%
-27.7% YoY
-4.9% QoQ
|
+87.07% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 0.1% in tier |
| Efficiency Ratio ? |
70.82%
-1.5% YoY
+2.8% QoQ
|
+6.34% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
1.75%
-22.7% QoQ
|
+0.83% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
88.19%
+24.6% YoY
+22.0% QoQ
|
+10.24% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
26.12%
-15.1% YoY
+4.9% QoQ
|
+4.09% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.35%
-7.1% QoQ
|
+0.68% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.2% in tier |
| Tier 1 Capital Ratio ? |
11.73%
-0.6% YoY
-0.3% QoQ
|
-4.18% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.41%
+146.6% YoY
+119.6% QoQ
|
-0.16% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 14.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.1%
-4.6pp YoY +1.2pp QoQ |
+4.0pp | 22.1% | 20.9% | 22.2% | 70% |
| Brokered Deposits |
2.9%
-0.3pp YoY +0.3pp QoQ |
-5.0pp | 7.9% | 7.4% | 8.5% | 37% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.5%
+0.8pp YoY -0.4pp QoQ |
-6.0pp | 11.6% | 12.3% | 12.5% | 23% |
| CRE |
40.8%
+28.1pp YoY +7.3pp QoQ |
+1.3pp | 39.5% | 36.8% | 41.4% | 55% |
| 1-4 Family |
1.7%
-1.4pp YoY -0.2pp QoQ |
-30.9pp | 32.6% | 31.9% | 31.3% | 2% |
| Consumer |
51.2%
-31.0pp YoY -8.8pp QoQ |
+47.1pp | 4.1% | 4.1% | 5.0% | 100% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.7%
-0.1pp YoY 0.0pp QoQ |
-7.1pp | 18.8% | 18.5% | 19.7% | 14% |
| Leverage Ratio |
10.9%
-0.9pp YoY -0.4pp QoQ |
-1.3pp | 12.2% | 11.6% | 12.6% | 48% |
| Total Capital Ratio |
13.0%
-0.1pp YoY 0.0pp QoQ |
-6.9pp | 19.9% | 19.6% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
62
+8 (+14.8%) YoY +13 (+26.5%) QoQ |
+3 | 58 | 162 | 482 | 65% |
| Assets per Employee ($) |
$3.6M
-3.9% YoY -28.0% QoQ |
-$3.9M | $7.5M | $8.0M | $8.8M | 3% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.2pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 67% |
| Nonaccrual |
1.5%
-0.4pp QoQ |
+0.6pp | 0.9% | 0.8% | 1.0% | 82% |
| Allowance Coverage |
2.03x
-2.5% QoQ |
-22.12x | 24.15x | 10.47x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
34.4%
-7.8pp YoY -5.8pp QoQ |
+34.2pp | 0.1% | 0.3% | 0.2% | 100% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
-3.8pp YoY +1.3pp QoQ |
-4.7pp | 12.2% | 14.3% | 11.6% | 23% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$838,000
-16.5% YoY — QoQ |
-$1.7M | $2.6M | $11.3M | $40.4M | 21% |
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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.