Community Bank of Missouri
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Missouri is an FDIC-insured commercial bank headquartered in Richmond, MO, established in 2001 (FDIC certificate 57141), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $94.1M, up 4.3% from Q2 2025, the 178th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57141
- Headquarters
- Richmond, MO
- Established
- 2001
- Total assets, Q2 2026
- $94.1M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 16.21%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101918965
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Missouri Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- MISSOURI BANCORP, INC.
- Asset rank in state
- 178th of 191 in Missouri
Problem loans are rising at Community Bank of Missouri. Its balance sheet stood at $94 million at June 30, 2026, up 4.3% from a year earlier; it is based in Richmond, Missouri. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.98% of loans from 1.37% a year earlier. It keeps 5.51 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it holds commercial real estate loans worth 1.3 times its capital, 4.2 times the median of 30% for banks its size.
Net income for the quarter rose 10% from a year earlier, to $440,000. Over the same year, loans grew 16.8% and deposits grew 3.7%. Credit is the area to watch: it carries problem assets equal to 9.5% of the capital and reserves that would absorb them, 4.9 times the median of 1.9% for banks its size.
As of June 30, 2026, Community Bank of Missouri reported a CET1 capital ratio of 16.21%, a return on assets of 1.88%, a nonperforming-loan ratio of 1.98% and a Texas ratio of 9.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank of Missouri is the 178th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $94.1M, loans rose 5.8% and deposits fell 2.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.5% of total loans, ahead of construction and land development loans at 13.6%. The FDIC Summary of Deposits lists 2 offices for it, in Richmond, MO and Excelsior Springs, MO; its Richmond office books 75% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank of Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 904 Walton Way, Richmond, MO 64085
- County
- Ray
- Metro Area
- Kansas City, MO-KS
- 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
- May 7, 2001
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $80.6M
- Allowance for credit losses
- $670K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $93.7M
- Average total loans
- $62.7M
- Average interest-bearing deposits
- $59.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 7, 2001
- FDIC Cert
- 57141
- Fed RSSD
- 3005097
- Parent Holding Company
- MISSOURI BANCORP, INC. (RSSD 3005248)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Community Bank of Missouri's total assets moved between a low of $75.4M (Q4 2023) and a high of $95.5M (Q1 2026) from Q3 2023 to 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
$94.1M total assets against $90.3M; $81.1M total liabilities against $78.3M.
$64.8M net loans and leases against $55.5M; $80.6M total deposits against $77.7M.
$7.1M securities against $6.2M; $16.9M cash and balances due against $24.0M.
$1.5M total interest income against $1.4M; $251K total interest expense against $219K.
$1.2M net interest income against $1.2M.
$100K total noninterest income against $118K; $720K total noninterest expense against $734K.
$26K provision for credit losses against $22K.
$440K net income against $400K.
1.88% return on assets against 1.77%; 5.51% net interest margin against 5.46%.
16.21% CET1 capital ratio against 17.87%; 13.86% tier 1 leverage ratio against 13.32%.
Inside the full Community Bank of Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q4 2025) to 1.88% (Q2 2026) and its net interest margin ran from 5.19% (Q1 2025) to 5.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.21% | 1.88% | 1.98% | 9.51% | 5.51% |
| Q1 2026 | 16.68% | 1.75% | 1.32% | 6.20% | 5.40% |
| Q4 2025 | 16.89% | 0.78% | 1.25% | 5.88% | 5.86% |
| Q3 2025 | 17.31% | 1.78% | 1.35% | 5.96% | 5.79% |
| Q2 2025 | 17.87% | 1.77% | 1.37% | 6.11% | 5.46% |
| Q1 2025 | 18.11% | 1.57% | 1.54% | 6.61% | 5.19% |
| Q4 2024 | 18.33% | 1.08% | 1.68% | 7.44% | 5.69% |
| Q3 2024 | 17.95% | 1.81% | 1.58% | 7.07% | 5.70% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 Missouri (main office) | Richmond , MO | 64085 | $60.5M |
| Community Bank of Missouri Branch | Excelsior Springs , MO | 64024 | $20.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 212 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 49 loans originated, $9.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $396K approved, $396K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Missouri
What are Community Bank of Missouri's total assets?
As of the Q2 2026 filing, Community Bank of Missouri reported total assets of $94.1 million in its FFIEC call report.
Where is Community Bank of Missouri headquartered?
It is headquartered in Richmond, MO, United States.
When was Community Bank of Missouri founded?
It was established in 2001, per the FDIC institution directory.
Is Community Bank of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57141). 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 Missouri?
Community Bank of Missouri's primary federal regulator is the FDIC.
What is Community Bank of Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank of Missouri operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Missouri's Texas Ratio?
Its Texas Ratio is 9.51% 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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