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Tbo Bank

Orrick, MO · Cert 10597 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Northeast KS Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$224.8MAssets
$178.8MLoans
$195.8MDeposits
$22.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in the Kansas City, MO-KS area (rank 1 of 40).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 39).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.75%

Rank 35 of 40

Net Interest Margin

86.54%

Rank 1 of 40

Efficiency Ratio

70.90%

Rank 33 of 40

Equity / Assets

10.10%

Rank 20 of 40

Non-interest income vs. expense

$1.8M$129.9MINCOMEEXPENSE
Unfavorable gap of $128.0M · efficiency ratio beats 20% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 70.90%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%1.02%1.39%1.86%Beats 13%35 / 40
Return on Equity7.38%10.74%14.78%21.32%Beats 18%33 / 40
Net Interest Margin86.54%3.33%4.05%4.63%Beats 98%1 / 40
Efficiency Ratio70.90%51.70%58.10%69.29%Beats 20%33 / 40
Asset Quality
Nonperforming Loans / Loans1.69%0.05%0.20%1.11%Beats 15%34 / 39
Net Charge-Offs / Loans15.95%n/a0.00%0.05%Beats 3%39 / 39
Capital
Tier 1 Capital Ratio11.73%11.32%12.27%16.94%Beats 35%26 / 40
Total Risk-Based Capital Ratio13.00%11.32%13.09%17.63%Beats 48%21 / 40
Equity / Assets10.10%8.41%10.10%12.34%Beats 50%20 / 40
Liquidity & Funding
Loans / Deposits91.33%73.50%85.60%94.85%65th pctl14 / 40
Loans / Assets79.52%62.75%69.87%79.23%78th pctl9 / 40
Brokered Deposits / Depositsn/aNot reported for this institution