BlastPoint's Banking Scorecard

Community Bank of Raymore

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

Raymore, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in 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 11.1% in tier
+ ROA 0.44% above tier average
+ Efficiency Ratio 4.27% below tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 66.6% in tier
- Net Interest Margin 1.05% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$350.1M +4.7% YoY +3.7% QoQ	-$36.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$119.9M +0.7% YoY +3.1% QoQ	-$135.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$334.2M +2.6% YoY +3.9% QoQ	+$6.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.71% -11.5% YoY +15.9% QoQ	+0.44%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	2.88% +3.3% YoY +2.5% QoQ	-1.05%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Bottom 8.0% in tier
Efficiency Ratio ?	61.02% +5.3% YoY +1.7% QoQ	-4.27%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.06% -94.2% YoY -0.1% QoQ	-0.83%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	35.88% -1.9% YoY -0.8% QoQ	-40.76%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Top 3.0% in tier
Non-Interest-Bearing Deposit Share ?	23.43% +1.5% YoY +4.8% QoQ	+1.41%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.02% -94.5% YoY -0.7% QoQ	-0.62%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	20.57% +6.2% YoY -22.9% QoQ	+4.74%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	0.41% -17.1% YoY -75.5% QoQ	+0.13%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 4.3% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Revenue Diversifier

growth

#75 of 666 • Top 11.1% 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: 0.41%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.71%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Margin Compression

decline

#204 of 305 • Bottom 66.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.71%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 35.88%

Peer Median: 76.64%

#80 of 2664 Top 3.0% in $100M-$1B

116

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.28%

#116 of 2664 Top 4.3% in $100M-$1B

324

Tier 1 Capital Ratio

capital

Value: 20.57%

Peer Median: 15.83%

#324 of 2664 Top 12.1% in $100M-$1B

445

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#445 of 2664 Top 16.7% in $100M-$1B

577

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#577 of 2654 Top 21.7% in $100M-$1B

580

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#580 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (1 metrics)

2452

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.93%

#2452 of 2664 Bottom 8.0% in $100M-$1B