BlastPoint's Banking Scorecard
Community Bank of Raymore
Micro
Specialty: Commercial
MO
FDIC cert 22867
Designations: ✓ Community bank
Raymore, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank of Raymore shows strong momentum with 3 strengths and 8.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 38.37% below tier
- + Tier 1 Capital Ratio 17.82% above tier
- + Non-Interest Income / Assets 1.10% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$337.5M
+8.1% YoY
-6.1% QoQ
|
+$120.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$116.4M
+17.9% YoY
+3.1% QoQ
|
-$22.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$321.8M
+4.6% YoY
-6.8% QoQ
|
+$138.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.48%
-10.6% YoY
+0.8% QoQ
|
+0.39% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
2.81%
+2.8% YoY
+1.1% QoQ
|
-1.05% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
59.98%
-1.6% YoY
+3.3% QoQ
|
-7.75% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.06%
-60.8% YoY
-25.0% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
36.16%
+12.7% YoY
+10.5% QoQ
|
-38.37% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.36%
-0.3% YoY
-32.9% QoQ
|
-0.03% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.02%
-57.2% YoY
-17.7% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
26.68%
+25.4% YoY
+12.0% QoQ
|
+17.82% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
1.66%
-23.9% YoY
+41.9% QoQ
|
+1.10% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.16%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.68%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.66%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.16% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.66% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.68% · Tier avg: 8.85%
85
85th pctile
Total Deposits
Current: $321.8M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $337.5M · Tier avg: $217.5M
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 59.98% · Tier avg: 67.73%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.36% · Tier avg: 22.39%
48
48th pctile
Total Loans
Current: $116.4M · Tier avg: $139.2M
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
48
48th pctile
Total Loans
Current: $116.4M · Tier avg: $139.2M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.36% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 59.98% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Total Assets
Current: $337.5M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $321.8M · Tier avg: $183.7M
94
94th pctile
Tier 1 Capital Ratio
Current: 26.68% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.66% · Tier avg: 0.56%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.16% · Tier avg: 74.53%