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Community Bank of El Dorado Springs

El Dorado Springs, MO · Cert 23551

State charter, non-member · FDIC · 1 branch

Q2 2026

$143.6MAssets
$85.2MLoans
$120.4MDeposits
$23.0MEquity
Loan mix
94%RE $77.3M2%C&I $1.3M4%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $92.9M23%Noninterest $27.5MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.28%Q2 ’255.26%Q2 ’26+13%+5%

Non-interest income vs. expense

1.79%Q2 ’241.82%Q2 ’251.76%Q2 ’26+2%-3%

Executive Summary

  • Earnings: ROA of 1.79%, up 18 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.09% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.56%, up 18 bps from a year ago.
  • Funding: loans stand at 70.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+18 bps YoY

Efficiency Ratio (YTD, annualized)

43.35%-339 bps YoY

Tier 1 Leverage Ratio

16.56%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.74%1.76%1.83%1.79%+18 bps
Return on Equity10.05%10.88%10.92%10.97%10.93%+87 bps
Net Interest Margin3.67%3.73%3.81%3.87%3.85%+18 bps
Efficiency Ratio46.74%43.97%44.33%42.37%43.35%-339 bps
Non-Interest Burden1.60%1.52%1.57%1.51%1.55%-6 bps
Growth
Asset Growth (YoY)2.54%7.36%4.06%2.29%9.05%+651 bps
Loan Growth (YoY)9.54%13.90%12.61%13.05%9.02%-52 bps
Deposit Growth (YoY)1.52%7.61%3.25%1.32%9.44%+791 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.09%0.39%0.09%-15 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.00%0.00%0 bps
Allowance / Loans1.12%1.05%1.05%1.05%1.07%-4 bps
Allowance Coverage of NPLs4.6x11.3x11.6x2.7x12.0x+7.4x
Capital
Tier 1 Leverage Ratio16.38%15.98%16.61%16.81%16.56%+18 bps
Total Risk-Based Capital16.38%15.98%16.61%16.81%16.56%+18 bps
Equity / Assets16.28%15.87%16.74%16.57%16.00%-28 bps
Liquidity & Funding
Loans / Deposits71.05%72.50%76.12%75.34%70.78%-27 bps
Liquid Assets / Assets5.69%7.07%4.74%5.51%10.47%+478 bps
CRE / Total Capitaln/a55.72%34.93%41.25%n/an/a