Bank · FDIC insured
TBO Bank
A $224.8M bank headquartered in Orrick, MO, with 2 branches in 2 states. Best rates: CDs 4.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs884.15%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About TBO Bank
Originally opened more than 120 years ago as The Bank of Orrick in Orrick, Missouri, the institution now operates under the name TBO Bank.
- Headquarters
- 113 E South Front St, Orrick, MO 64077
- FDIC certificate
- 10597 ↗
Branches
2 branches in 2 states
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Kansas
1 branch
- Prairie Village Branch2310 W 75th St, Prairie Village, KS 66208Directions
Missouri
1 branch
- TBO BankMain office113 E South Front St, Orrick, MO 64077Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.87% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.69% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.74% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio10.87%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.69%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.74%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of TBO Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.