Community Bank of El Dorado Springs
El Dorado Springs, MO · Cert 23551 · Peer group: banks under $1B in assets in MO (n=82-83)
State charter, non-member · FDIC · 1 branch
Q2 2026
$143.6MAssets
$85.2MLoans
$120.4MDeposits
$23.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 94% of banks under $1B in assets in MO (rank 5 of 83).
- Widest gap: return on equity trails 69% of banks under $1B in assets in MO (rank 57 of 83).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.72%
Rank 24 of 83
Net Interest Margin
3.85%
Rank 41 of 83
Efficiency Ratio
43.35%
Rank 8 of 83
Equity / Assets
16.00%
Rank 5 of 83
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 92% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.96% | 1.32% | 1.75% | Beats 71% | 24 / 83 | |
| Return on Equity | 10.76% | 9.66% | 12.96% | 15.76% | Beats 31% | 57 / 83 | |
| Net Interest Margin | 3.85% | 3.35% | 3.85% | 4.16% | Beats 51% | 41 / 83 | |
| Efficiency Ratio | 43.35% | 49.83% | 58.83% | 68.51% | Beats 92% | 8 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.51% | 1.01% | Beats 74% | 22 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 80% | 17 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 16.56% | 11.01% | 12.49% | 14.98% | Beats 83% | 14 / 83 | |
| Total Risk-Based Capital Ratio | 16.56% | 11.13% | 13.01% | 15.10% | Beats 82% | 15 / 83 | |
| Equity / Assets | 16.00% | 8.83% | 10.71% | 13.29% | Beats 94% | 5 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 70.78% | 69.28% | 83.22% | 91.21% | 27th pctl | 60 / 82 | |
| Loans / Assets | 59.33% | 59.34% | 71.15% | 78.36% | 23rd pctl | 64 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |