TBO Bank is a community-focused financial institution based in Orrick, Missouri, dedicated to providing a range of banking services to individuals and families. The company emphasizes building long-term relationships with its customers, reflecting the values of hometown banking while expanding its reach to a broader audience. TBO Bank offers various financial resources, including financial calculators and educational content to assist customers in making informed financial decisions. Targeting a diverse clientele, TBO Bank provides services such as personal banking, savings accounts, and specialized loans, including the Veterans Closing Cost Loan designed to support veterans in securing their dream homes. By prioritizing accessibility and customer support, TBO Bank aims to empower its customers to achieve their financial goals with confidence.
TBO Bank receives mixed reviews from customers, with a notable split between positive and negative experiences. Many reviewers appreciate the ease and speed of obtaining loans, highlighting that the process is quick and accessible, especially for those with bad credit.
However, a significant number of complaints focus on the high interest rates and perceived predatory lending practices. Consumers express frustration over loans that seem to increase rather than decrease despite regular payments, with some claiming that a large portion of their payments goes toward interest rather than principal. While some customers find the service satisfactory and efficient, others warn potential borrowers to be cautious due to the financial implications of the loans. Overall, TBO Bank garners a sentiment that leans toward caution, particularly regarding its loan terms.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.7 | 60 | 100% | -1.8 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Feb 25 | 5.0 | 1 |
| Mar 25 | 4.3 | 38 |
| Apr 25 | 3.7 | 6 |
| May 25 | 3.7 | 3 |
| Jun 25 | 2.0 | 4 |
| Jul 25 | 1.6 | 5 |
| Aug 25 | 1.0 | 1 |
| Sep 25 | 1.0 | 2 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“For everybody complaining about high interest rates obviously you cant qualify for a regular lower interest rate on...”
“If I could leave NO stars, I would”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 3.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | −43% | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: TBO Bank is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 4.5).
60 reviews of TBO Bank. Filter by what matters to you.
For everybody complaining about high interest rates obviously you cant qualify for a regular lower interest rate on other lenders For me TBO is much lower rate than other bad credit sites and the loans are very transparent
Quick answers to the questions people ask most.
TBO Bank has received a significant number of reviews, with an overall low rating indicating mixed customer experiences. Many reviews reflect concerns about high interest rates and unclear loan terms.
While there are many verified reviews on TBO Bank, some customers express feelings of being misled or treated unfairly, particularly regarding loan terms and repayment amounts. It's essential to read customer feedback carefully.
TBO Bank primarily offers personal loans, including options for individuals with poor credit. However, some customers have reported dissatisfaction with the terms and conditions associated with these loans.
TBO Bank typically requires automatic bank withdrawals for loan payments, which some customers have found problematic in terms of frequency and amount, leading to frustration.
Customers can usually reach TBO Bank through their website or customer service hotline, but some reviews suggest challenges in getting timely support or resolution for issues.
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Polarized pattern: few middle ratings. 67% of recent reviews are 4–5★ and 32% are 1–2★.
TBO Bank is a community-focused financial institution based in Orrick, Missouri, dedicated to providing a range of banking services to individuals and families. The company emphasizes building long-term relationships with its customers, reflecting the values of hometown banking while expanding its reach to a broader audience. TBO Bank offers various financial resources, including financial calculators and educational content to assist customers in making informed financial decisions. Targeting a diverse clientele, TBO Bank provides services such as personal banking, savings accounts, and specialized loans, including the Veterans Closing Cost Loan designed to support veterans in securing their dream homes. By prioritizing accessibility and customer support, TBO Bank aims to empower its customers to achieve their financial goals with confidence.
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