Community Bank of El Dorado Springs: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of El Dorado Springs of El Dorado Springs, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.27% | 1.34% | +0.93% | 92nd top |
| ROAE | 13.86% | 13.31% | +0.55% | 59th above |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 44.02% | 61.14% | -17.12% | 90th top |
| PPNR / Avg Assets | 2.32% | 1.68% | +0.64% | 84th top |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 44th below |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 3.31% | 3.32% | -0.01% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 326.43% | 1538.86% | -1212.43% | 62nd above |
| Texas Ratio | 1.20% | 7.33% | -6.13% | 70th above |
| Provision / NCO | 3600.00% | 1395.02% | +2204.98% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.56% | 12.14% | +4.42% | 92nd top |
| Equity / Assets | 16.00% | 11.37% | +4.63% | 91st top |
| TCE / Tangible Assets | 16.00% | 11.09% | +4.91% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.78% | 80.64% | -9.86% | 69th above |
| Core Deposit Ratio | 95.72% | 86.86% | +8.86% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.05% | 6.85% | +2.20% | 80th top |
| Loan Growth (Y/Y) | 9.02% | 7.90% | +1.12% | 70th above |
| Deposit Growth (Y/Y) | 9.44% | 6.29% | +3.15% | 81st top |
See Community Bank of El Dorado Springs's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of El Dorado Springs, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank of El Dorado Springs profile, how to read a UBPR, or how this data updates.