Community Bank of Raymore: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.52 percentage points higher than in Q1 2026, at 820.00%. Community Bank of Raymore ranks 67th of 192 Missouri banks on return on assets, in the upper half at 1.73% (Q2 2026). Community Bank of Raymore reported 1.73% on return on assets for Q2 2026, 0.47 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.21% |
| Tier 1 risk-based capital ratio | 20.21% |
| Total risk-based capital ratio | 20.58% |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 4.00% |
| Tangible equity to tangible assets | 3.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.43% |
| Allowance for credit losses to loans | 0.39% |
| Reserve coverage of non-performing loans | 820.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 46.94% |
| Net interest margin | 2.84% |
| Efficiency ratio | 58.06% |
| Yield on earning assets | 3.97% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.08% |
| Core deposits to total deposits | 98.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 95.40% |
| Securities to assets | 54.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.46% | 18.46% | 19.45% | 8.78% | 1.41% |
| Q4 2023 | 18.26% | 18.26% | 19.13% | 9.10% | 1.25% |
| Q1 2024 | 19.91% | 19.91% | 20.71% | 8.81% | 2.02% |
| Q2 2024 | 19.94% | 19.94% | 20.59% | 9.20% | 1.94% |
| Q3 2024 | 20.63% | 20.63% | 21.29% | 8.82% | 1.60% |
| Q4 2024 | 21.27% | 21.27% | 21.92% | 8.89% | 0.69% |
| Q1 2025 | 19.36% | 19.36% | 19.92% | 9.15% | 1.67% |
| Q2 2025 | 25.34% | 25.34% | 25.89% | 8.92% | 0.77% |
| Q3 2025 | 23.82% | 23.82% | 24.30% | 9.36% | 1.63% |
| Q4 2025 | 26.68% | 26.68% | 27.19% | 9.73% | 1.43% |
| Q1 2026 | 20.57% | 20.57% | 20.96% | 9.55% | 1.58% |
| Q2 2026 | 20.21% | 20.21% | 20.58% | 9.70% | 1.73% |
Community Bank of Raymore vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Raymore, 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 Raymore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22867) · FFIEC NIC profile (RSSD 716851)