COMMUNITY BANK OF EL DORADO SPRINGS

EL DORADO SPRINGS, MO | Small | Est. Oct. 1, 1981, midnight | FDIC #23551 | RSSD #766052 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK OF EL DORADO SPRINGS is asn small FDIC-insured commercial bank headquartered in EL DORADO SPRINGS, MO, established in Oct. 1, 1981, midnight. As of 2025-12-31, the bank reported total assets of $133M and total deposits of $110M. Profitability stands at 2.27% ROA and 13.94% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 16.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.33%. FDIC Certificate #23551.

Assets

$133M

Deposits

$110M

Loans

$84M

Equity

$22M

Profitability

Return on Assets (ROA) 2.27%
Return on Equity (ROE) 13.94%
Net Interest Margin (NIM) 4.38%
Yield on Assets 6.00%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.33%
NPA Ratio 0.06%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 16.74%
Tier 1 Capital 16.74%
Total Capital Ratio 17.58%
Leverage Ratio 16.61%
Loan-to-Deposit 76.12%

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