Community Bank of El Dorado Springs: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.69 percentage points in Q2 2026, from 314.74% to 326.43%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Bank of El Dorado Springs is 24th of 192 on return on assets, 2.27% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Community Bank of El Dorado Springs reported 2.27% on return on assets in Q2 2026, 1.01 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.56% |
| Equity capital to assets | 16.00% |
| Tangible equity to tangible assets | 16.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.20% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 326.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.27% |
| Return on equity | 13.86% |
| Net interest margin | 4.03% |
| Efficiency ratio | 44.02% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.78% |
| Core deposits to total deposits | 95.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.82% |
| Securities to assets | 12.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.54% | 2.08% | 3.47% | 0.57% | 0.00% |
| Q4 2023 | 15.85% | 1.96% | 3.46% | 0.50% | 0.00% |
| Q1 2024 | 16.07% | 1.73% | 3.33% | 0.48% | 0.00% |
| Q2 2024 | 16.06% | 1.56% | 3.31% | 0.49% | 0.06% |
| Q3 2024 | 15.87% | 1.80% | 3.48% | 0.46% | 0.00% |
| Q4 2024 | 16.29% | 1.90% | 3.66% | 0.44% | 0.00% |
| Q1 2025 | 16.54% | 1.98% | 3.74% | 0.43% | 0.00% |
| Q2 2025 | 16.38% | 2.13% | 3.87% | 0.42% | -0.01% |
| Q3 2025 | 15.98% | 2.52% | 4.08% | 0.35% | 0.15% |
| Q4 2025 | 16.61% | 2.26% | 4.11% | 0.34% | 0.00% |
| Q1 2026 | 16.81% | 2.31% | 3.98% | 0.33% | 0.00% |
| Q2 2026 | 16.56% | 2.27% | 4.03% | 0.33% | 0.00% |
Community Bank of El Dorado Springs vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of El Dorado Springs, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank of El Dorado Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23551) · FFIEC NIC profile (RSSD 766052)