BlastPoint's Banking Scorecard

Community Bank of El Dorado Springs

$100M-$1B Specialty: Agricultural MO FDIC cert 23551

El Dorado Springs, 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 +9.4% year over year ($120.4M on the books).
Delinquency rate 0.09%.
Return on assets 2.29%.
Efficiency ratio 43.35% vs a 64.48% peer average.
Loan-to-deposit ratio 70.02% 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 El Dorado Springs shows strong momentum with 3 strengths and 9.0% YoY asset growth

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

+ Profitability Leader: Top 30.6% in tier
+ Efficiency Ratio 21.13% below tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$143.6M +9.0% YoY +4.9% QoQ	-$243.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 12.4% in tier
Total Loans ?	$84.3M +9.1% YoY -0.8% QoQ	-$174.1M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 12.2% in tier
Total Deposits ?	$120.4M +9.4% YoY +5.7% QoQ	-$206.4M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 11.9% in tier
Return on Assets ?	2.29% +11.6% YoY -1.7% QoQ	+0.96%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 7.3% in tier
Net Interest Margin ?	4.01% +5.5% YoY +0.2% QoQ	+0.02%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	43.35% -7.3% YoY +2.3% QoQ	-21.13%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 6.9% in tier
Delinquency Rate ?	0.09% -63.1% YoY -77.2% QoQ	-0.83%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	70.02% -0.3% YoY -6.1% QoQ	-7.93%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	22.85% +6.3% YoY +6.8% QoQ	+0.82%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.06% -61.7% YoY -77.6% QoQ	-0.61%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	16.56% +1.1% YoY -1.5% QoQ	+0.65%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.11% -1.1% YoY +93.1% QoQ	-0.46%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	20%

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	22.8% +1.3pp YoY +1.5pp QoQ	+0.7pp	22.1%	20.9%	22.2%	58%
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	1.8% -0.4pp YoY +0.2pp QoQ	-9.8pp	11.6%	12.3%	12.5%	6%
CRE	11.3% -4.1pp YoY +0.2pp QoQ	-28.3pp	39.5%	36.8%	41.4%	6%
1-4 Family	37.1% +4.5pp YoY +0.1pp QoQ	+4.5pp	32.6%	31.9%	31.3%	66%
Consumer	4.0% -0.3pp YoY 0.0pp QoQ	-0.2pp	4.1%	4.1%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	16.6% +0.2pp YoY -0.3pp QoQ	+4.4pp	12.2%	11.6%	12.6%	92%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	18 0 YoY 0 QoQ	-41	58	162	482	8%
Assets per Employee ($)	$8.0M +9.0% YoY +4.9% QoQ	+$460K	$7.5M	$8.0M	$8.8M	68%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.3pp QoQ	-0.3pp	0.3%	0.3%	0.4%	11%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	16%
Allowance Coverage	12.03x +160.4% YoY +350.5% QoQ	-12.13x	24.15x	10.47x	20.23x	84%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.3%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	13.9% +1.1pp YoY 0.0pp QoQ	+1.7pp	12.2%	14.3%	11.6%	62%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.8%	1.7%	34%
Net Income ($, YTD)	$1.6M +17.3% YoY — QoQ	-$981K	$2.6M	$11.3M	$40.4M	43%

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$250B+

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)

Profitability Leader

growth

#203 of 661 • Top 30.6% in tier

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

Why this signature

Return on Assets: 2.29%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

184

Efficiency Ratio

profitability

Value: 43.35%

Peer Median: 64.48%

#184 of 2643 Top 6.9% in $100M-$1B

193

Return on Assets

profitability

Value: 2.29%

Peer Median: 1.32%

#193 of 2643 Top 7.3% in $100M-$1B

585

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#585 of 2643 Top 22.1% in $100M-$1B

655

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#655 of 2633 Top 24.8% in $100M-$1B

660

Tier 1 Capital Ratio

capital

Value: 16.56%

Peer Median: 15.91%

#660 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2329

Total Deposits

size

Value: $120.37M

Peer Median: $326.73M

#2329 of 2643 Bottom 11.9% in $100M-$1B

2321

Total Loans

size

Value: $84.28M

Peer Median: $258.35M

#2321 of 2643 Bottom 12.2% in $100M-$1B

2316

Total Assets

size

Value: $143.61M

Peer Median: $386.57M

#2316 of 2643 Bottom 12.4% in $100M-$1B

2112

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2112 of 2643 Bottom 20.1% in $100M-$1B