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Community Bank of Raymore

$100M-$1B Specialty: Commercial MO FDIC cert 22867

Raymore, MO

3 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -8.6% year over year ($331.0M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.79%.
  • Efficiency ratio 59.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 37.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Community Bank of Raymore has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 11.0% in tier
  • + Credit Quality Leader: Top 19.0% in tier
  • + Profitability Leader: Top 36.6% in tier
  • + Efficiency Ratio 4.72% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.8% in tier
  • - Net Interest Margin 1.02% below tier average
Get updates when Community Bank of Raymore releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $346.9M
-6.3% YoY -0.9% QoQ
-$39.7M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $125.5M
+8.9% YoY +4.7% QoQ
-$132.8M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $331.0M
-8.6% YoY -1.0% QoQ
+$4.2M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.79%
+32.7% YoY +4.6% QoQ
+0.47% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 2.97%
+7.0% YoY +3.1% QoQ
-1.02% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Bottom 8.9% in tier
Efficiency Ratio ? 59.76%
+2.9% YoY -2.1% QoQ
-4.72% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.05%
-27.3% YoY -16.8% QoQ
-0.87% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 37.93%
+19.2% YoY +5.7% QoQ
-40.02% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Top 3.5% in tier
Non-Interest-Bearing Deposit Share ? 24.85%
-26.6% YoY +6.1% QoQ
+2.82% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.02%
-15.4% YoY -12.1% QoQ
-0.65% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 20.21%
-20.2% YoY -1.7% QoQ
+4.30% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 13.1% in tier
Non-Interest Income / Assets ? 0.81%
-0.5% YoY +99.7% QoQ
+0.25% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 4.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 24.8%
-9.0pp YoY
+1.4pp QoQ
 +2.7pp 22.1% 20.9% 22.2% 65%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 50.8%
-2.8pp YoY
+1.0pp QoQ
 +39.3pp 11.6% 12.3% 12.5% 99%
CRE 20.7%
-2.6pp YoY
-1.3pp QoQ
 -18.8pp 39.5% 36.8% 41.4% 19%
1-4 Family 14.5%
+0.4pp YoY
-1.0pp QoQ
 -18.1pp 32.6% 31.9% 31.3% 19%
Consumer 2.0%
-1.1pp YoY
-0.3pp QoQ
 -2.2pp 4.1% 4.1% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 20.2%
-5.1pp YoY
-0.4pp QoQ
 +1.4pp 18.8% 18.5% 19.7% 78%
Leverage Ratio 9.7%
+0.8pp YoY
+0.1pp QoQ
 -2.5pp 12.2% 11.6% 12.6% 25%
Total Capital Ratio 20.6%
-5.3pp YoY
-0.4pp QoQ
 +0.6pp 19.9% 19.6% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 42
+3 (+7.7%) YoY
0 QoQ
 -17 58 162 482 44%
Assets per Employee ($) $8.3M
-13.0% YoY
-0.9% QoQ
 +$742K $7.5M $8.0M $8.8M 71%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 3%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 11%
Allowance Coverage 8.07x
+12.1% YoY
+14.1% QoQ
 -16.09x 24.15x 10.47x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
-2.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 45.0%
-46.7pp YoY
+1.9pp QoQ
 +32.8pp 12.2% 14.3% 11.6% 100%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 21%
Net Income ($, YTD) $3.1M
+35.0% YoY
— QoQ
 +$537K $2.6M $11.3M $40.4M 71%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#74 of 661 • Top 11.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.81%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Leader

growth
#126 of 659 • Top 19.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#243 of 661 • Top 36.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#5 of 535 • Bottom 0.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

94
Loan-to-Deposit Ratio
liquidity
Value: 37.93%
Peer Median: 77.95%
#94 of 2643 Top 3.5% in $100M-$1B
125
Non-Interest Income / Assets
revenue_mix
Value: 0.81%
Peer Median: 0.57%
#125 of 2643 Top 4.7% in $100M-$1B
347
Tier 1 Capital Ratio
capital
Value: 20.21%
Peer Median: 15.91%
#347 of 2643 Top 13.1% in $100M-$1B
412
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#412 of 2643 Top 15.6% in $100M-$1B
534
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#534 of 2643 Top 20.2% in $100M-$1B
542
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#542 of 2633 Top 20.5% in $100M-$1B

Top Weaknesses (1 metrics)

2408
Net Interest Margin
profitability
Value: 2.97%
Peer Median: 3.99%
#2408 of 2643 Bottom 8.9% in $100M-$1B
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