BlastPoint's Banking Scorecard
Community Bank of El Dorado Springs
Micro
Specialty: Agricultural
MO
FDIC cert 23551
Designations: ✓ Community bank
El Dorado Springs, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank of El Dorado Springs demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.15% above tier
- + Efficiency Ratio 23.40% below 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 ? |
$132.6M
+4.1% YoY
-1.6% QoQ
|
-$84.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$82.9M
+12.7% YoY
+2.2% QoQ
|
-$56.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$110.1M
+3.3% YoY
-2.7% QoQ
|
-$73.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
2.23%
+26.3% YoY
+0.9% QoQ
|
+1.15% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.97%
+14.1% YoY
+1.7% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
44.33%
-11.8% YoY
+0.8% QoQ
|
-23.40% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.09%
-61.7% YoY
-2.1% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
75.32%
+9.2% YoY
+5.0% QoQ
|
+0.79% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
20.58%
+1.0% YoY
-0.9% QoQ
|
-1.82% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.06%
-58.5% YoY
+1.6% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
-3.9% YoY
+36.8% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.33%
(Tier avg: 67.73%, National avg: 65.09%)
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
Efficiency Ratio
Current: 44.33% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.32% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.58% · Tier avg: 22.39%
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $110.1M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $132.6M · Tier avg: $217.5M
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
32
32th pctile
Total Assets
Current: $132.6M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $110.1M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.58% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.32% · Tier avg: 74.53%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 44.33% · Tier avg: 67.73%