# TBO BANK
ORRICK, MO · FDIC certificate 10597 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $224.8M | |
| Deposits | $195.8M | |
| Loans and leases | $178.8M | |
| Total equity | $22.7M | |
| Loans / deposits | 88.19% (p76 of band) | 73.59% |
| Liquid assets / assets | 13.46% (p8 of band) | |
| Uninsured deposits / deposits | 57.83% (p99 of band) | 19.81% |
| Brokered deposits | 2.48% | |
| Wholesale funding | 2.48% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.87% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -2.70% (p66 of band) | -6.57% |
| AOCI / equity | -0.54% (p43 of band) | |
| ROA (annualized) | 0.74% (p27 of band) | 1.17% |
| Net interest margin | 91.06% (p100 of band) | 3.93% |
| Efficiency ratio | 70.82% (p62 of band) | |
| Noncurrent loans | 1.69% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 25.11% (p100 of band) | |
| Reserve coverage of noncurrent | 203.44% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 92.12% (p92 of band) | |
| Auto loans | $324,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | expense ratio p90 |  |
| 2012-03 | 4 | capital falling | charge-offs p90 |
| 2012-06 | 5 | noncurrent p90 |  |
| 2012-09 | 3 |  | capital falling, noncurrent p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 4 | noncurrent p90 | capital falling |
| 2013-09 | 3 | deposits shrinking | losing money, noncurrent p90 |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 5 | capital falling, losing money, charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-06 | 4 |  | reserve under noncurrent |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | expense ratio p90, losing money, charge-offs p90 |
| 2015-06 | 5 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 0 |  | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 3 | losing money, uninsured deposits leaving |  |
| 2018-03 | 1 | capital falling | expense ratio p90, losing money, uninsured deposits leaving |
| 2018-06 | 2 | losing money, expense ratio p90 | capital falling |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 1 |  | expense ratio p90, noncurrent p90 |
| 2020-06 | 1 | expense ratio p90 | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 4 | losing money, NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 4 | noncurrent p90 |  |
| 2022-03 | 5 | leverage <7%, capital falling, AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90, losing money, noncurrent p90 |
| 2022-06 | 4 | noncurrent p90, reserve under noncurrent | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5%, leverage <7%, noncurrent p90 |
| 2022-12 | 4 | charge-offs p90 |  |
| 2023-03 | 2 | capital falling | reserve under noncurrent, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | expense ratio p90 |  |
| 2024-03 | 1 | uninsured deposits >50% | charge-offs p90, expense ratio p90 |
| 2024-06 | 1 | expense ratio p90 | uninsured deposits >50% |
| 2024-09 | 0 |  | expense ratio p90 |
| 2024-12 | 2 | uninsured deposits >50%, charge-offs p90 |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | run vulnerability |  |
| 2025-12 | 5 | noncurrent p90 |  |
| 2026-03 | 2 |  | capital falling, run vulnerability, noncurrent p90 |
| 2026-06 | 3 | run vulnerability |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-12 [TBO Bank and FHLB Des Moines Invest $100,000 to Strengthen Orrick Community and Neighborhoods - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOY3VhclJYc3NQVVJwaDk2RzBpbDY5U2xXWVZXaXI2dUpZMDlrc1F0S1U4bm1NUkJmN1lEN1BBMEVEU2VUSVlCSnFIbVhOLWlpNGluaTVIRlJXVjBRc0hDbkhjNmZOOUlsNGt2eWlNV01IUWF2SzkwUnN4UkRkWnBoYTVQZm1JWkNNOGVWRTZ5MUFmcmM0Q1lCd05xUWsxekVnNTIxSWFwVFR2cmJCLVp5VDdfU2xRQlFjcFh0dVc1NTFNaEdxb05JZFFIaFk4ek5HTzRlNzFseUVGR3o3V0U2VzRjNTRqQQ?oc=5) · Business Wire
- 2026-05-01 [The CD Term Tsunami is Back. This Time It’s About More than Interest Rates. - The Financial Brand](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTnZ3RFVPYWlrOXRQczNUd3FuUl9nMk02bHZoSzAweDR1SnlZTWl2TWtvZFR1d1B4MXhfVXRsR2w0azdIM2p5bVNwcTZKeHZacnpVLWpxYjd2TjVFUE1hWmx5SzZkRWpTRTJhckluWW9EUTMtTlhTbXFKTGVyOEh1WmRjOVJOM2tfTWVfSV93?oc=5) · The Financial Brand
- 2026-05-15 [Deeds of trust for May 15 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxNc0EtSkdzcGFPcmI5NzBnb1RHTkJOTS1MMnBibGRicFRvUzFGZTdkMFNLUDNFR1JmRWN2S0h2MmNMa0kxckpWVndfM2tEamZnelNNdW5lZmVVZ3N0akgxZzFWY3EwUHJwdFBXSUFNOUh5Z0lHNXVQR3FvUGxJcF96d0xyc05FMWN3eldFQUsxQlBkd0lpZlVIa2RiVXo4TEEwVEJ0S2dpUUJteWR4cWRseG9xVEx6M1ZxSEk4TkFOTFRzN2U4aHc?oc=5) · News-Press NOW
- 2026-02-26 [This CD is still offering 6% — and four more with 5%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX0ZEREp3WmNheVltLV9CVEZ1U0lnWEY3d1FUQVZxbUphWm41b0N0clJ1MG9CeTd5YktxUE1YMXFGU3BSRUhRbllXUUtjc2RIQ2ROa2hoTXVuSW9BX2MyWUE0d01kUGluMVUxTTJFVEdkaTNpMEdKYjN2Y3U0MFo5OHJIN2tfakVHZlRFUVZ0SEFaVXZsNWRUVTFlallkLTNNN29oTklrYms1d0U?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10597 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "10597", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide