BlastPoint's Banking Scorecard
TBO Bank
Micro
Specialty: Consumer
MO
FDIC cert 10597
Designations: ✓ Community bank
Orrick, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
TBO Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.10% above tier
- - Nonperforming Asset Ratio 2.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$209.3M
+52.3% YoY
-0.2% QoQ
|
-$8.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$144.7M
+66.6% YoY
+0.1% QoQ
|
+$5.6M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$179.7M
+56.0% YoY
-0.5% QoQ
|
-$3.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.30%
+30.7% YoY
-1.6% QoQ
|
+0.22% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
137.78%
+12.8% YoY
+2.0% QoQ
|
+133.92% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
67.89%
-22.5% YoY
-1.3% QoQ
|
+0.17% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
3.74%
+154.9% QoQ
|
+3.10% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
80.54%
+6.8% YoY
+0.5% QoQ
|
+6.01% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
27.23%
-10.3% YoY
-8.0% QoQ
|
+4.83% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.59%
+155.7% QoQ
|
+2.13% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.99%
-22.9% YoY
+4.0% QoQ
|
+3.14% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.34%
+42.9% YoY
+64.3% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.74%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.23% · Tier avg: 22.39%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
59
59th pctile
Total Loans
Current: $144.7M · Tier avg: $139.2M
58
58th pctile
Tier 1 Capital Ratio
Current: 11.99% · Tier avg: 8.85%
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $209.3M · Tier avg: $217.5M
46
46th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
46
46th pctile
Efficiency Ratio
Current: 67.89% · Tier avg: 67.73%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.54% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 3.74% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.59% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.59% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.74% · Tier avg: 0.64%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.54% · Tier avg: 74.53%
46
46th pctile
Efficiency Ratio
Current: 67.89% · Tier avg: 67.73%
46
46th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
54
54th pctile
Total Assets
Current: $209.3M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
58
58th pctile
Tier 1 Capital Ratio
Current: 11.99% · Tier avg: 8.85%
59
59th pctile
Total Loans
Current: $144.7M · Tier avg: $139.2M
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.23% · Tier avg: 22.39%