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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

5.13%Q2 ’245.36%Q2 ’255.35%Q2 ’26+16%+4%

Non-interest income vs. expense

1.87%Q2 ’241.83%Q2 ’251.84%Q2 ’26-2%+0%

Executive Summary

  • Earnings: ROA of 1.77%, up 11 bps year over year; NIM at 3.94%.
  • 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 (quarter, annualized)

1.77%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+16 bps YoY

Efficiency Ratio (quarter, annualized)

44.28%-155 bps YoY

Tier 1 Leverage Ratio

16.56%+18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%2.00%1.79%1.83%1.77%+11 bps
Return on Equity10.40%12.44%11.00%10.97%10.88%+48 bps
Net Interest Margin3.78%3.98%4.02%3.87%3.94%+16 bps
Efficiency Ratio45.83%38.96%45.32%42.37%44.28%-155 bps
Non-Interest Burden1.61%1.41%1.70%1.51%1.62%+1 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 / Loans-0.01%0.15%0.00%0.00%0.00%+1 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