Community Bank of El Dorado Springs
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of El Dorado Springs is an FDIC-insured commercial bank headquartered in El Dorado Springs, MO, established in 1981 (FDIC certificate 23551), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $143.6M, up 9.0% from Q2 2025, the 148th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23551
- Headquarters
- El Dorado Springs, MO
- Established
- 1981
- Total assets, Q2 2026
- $143.6M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 16.56%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101204022
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of El Dorado Springs Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 148th of 191 in Missouri
Community Bank of El Dorado Springs is one of the more profitable banks of its size. Its balance sheet stood at $144 million at June 30, 2026, up 9.0% from a year earlier; it is based in El Dorado Springs, Missouri. It earns about $2.27 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 13% from a year earlier, to $791,000.
As of June 30, 2026, Community Bank of El Dorado Springs reported a return on assets of 2.27%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.33%. The figures come from its call report filed with the FFIEC.
Community Bank of El Dorado Springs ranks as the 148th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.9% to $143.6M, loans fell 0.7% and deposits rose 5.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 42.9% of total loans, followed by 1-4 family residential loans at 36.7%. Its one office in the FDIC Summary of Deposits is in El Dorado Springs, MO. On its Q2 2026 call report, Community Bank of El Dorado Springs meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 E. Us Highway 54, El Dorado Springs, MO 64744
- County
- Cedar
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1981
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $120.4M
- Allowance for credit losses
- $914K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $139.7M
- Average total loans
- $85.2M
- Average interest-bearing deposits
- $90.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 1, 1981
- FDIC Cert
- 23551
- Fed RSSD
- 766052
- Website
- www.communitybankeldo.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Bank of El Dorado Springs reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bank of El Dorado Springs's total assets ranged from $124.0M (Q3 2023) to $143.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$143.6M total assets against $131.7M; $120.6M total liabilities against $110.3M.
$84.3M net loans and leases against $77.3M; $120.4M total deposits against $110.0M.
$18.1M securities against $21.6M; $19.2M cash and balances due against $10.9M.
$1.9M total interest income against $1.8M; $493K total interest expense against $523K.
$1.4M net interest income against $1.2M.
$77K total noninterest income against $72K; $643K total noninterest expense against $605K.
$18K provision for credit losses against $12K.
$791K net income against $703K.
2.27% return on assets against 2.13%; 4.03% net interest margin against 3.87%.
16.56% tier 1 leverage ratio against 16.38%.
Inside the full Community Bank of El Dorado Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank of El Dorado Springs rankings
Its closest position to the top of a national ranking is 263 of 3,611, for ROA; its furthest is 3,068 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.80% (Q3 2024) to 2.52% (Q3 2025) and its net interest margin ran from 3.48% (Q3 2024) to 4.11% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.56% | 2.27% | 0.09% | 0.33% | 4.03% |
| Q1 2026 | 16.81% | 2.31% | 0.39% | 1.43% | 3.98% |
| Q4 2025 | 16.61% | 2.26% | 0.09% | 0.33% | 4.11% |
| Q3 2025 | 15.98% | 2.52% | 0.09% | 0.34% | 4.08% |
| Q2 2025 | 16.38% | 2.13% | 0.24% | 0.85% | 3.87% |
| Q1 2025 | 16.54% | 1.98% | 0.24% | 0.82% | 3.74% |
| Q4 2024 | 16.29% | 1.90% | 0.24% | 0.83% | 3.66% |
| Q3 2024 | 15.87% | 1.80% | 0.24% | 0.82% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank of El Dorado Springs (main office) | El Dorado Springs , MO | 64744 | $120.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 186 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank of El Dorado Springs
What are Community Bank of El Dorado Springs's total assets?
As of the Q2 2026 filing, Community Bank of El Dorado Springs reported total assets of $143.6 million in its FFIEC call report.
Where is Community Bank of El Dorado Springs headquartered?
It is headquartered in El Dorado Springs, MO, United States.
When was Community Bank of El Dorado Springs founded?
It was established in 1981, per the FDIC institution directory.
Is Community Bank of El Dorado Springs FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of El Dorado Springs?
Community Bank of El Dorado Springs's primary federal regulator is the FDIC.
How many branches does Community Bank of El Dorado Springs operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of El Dorado Springs's Texas Ratio?
Its Texas Ratio is 0.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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