BlastPoint's Banking Scorecard
Community Bank of El Dorado Springs
El Dorado Springs, MO
Community Bank of El Dorado Springs has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22.1% in tier
- + Efficiency Ratio 22.91% below tier average
- + Net Interest Margin 0.07% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.9M
+2.3% YoY
+3.2% QoQ
|
-$249.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$84.9M
+13.1% YoY
+2.4% QoQ
|
-$170.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.4% in tier |
| Total Deposits ? |
$113.9M
+1.3% YoY
+3.5% QoQ
|
-$214.1M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.2% in tier |
| Return on Assets ? |
2.33%
+18.8% YoY
+4.1% QoQ
|
+1.06% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 6.7% in tier |
| Net Interest Margin ? |
4.00%
+8.0% YoY
+0.8% QoQ
|
+0.07% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
42.37%
-11.2% YoY
-4.4% QoQ
|
-22.91% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 6.0% in tier |
| Delinquency Rate ? |
0.40%
+65.9% YoY
+331.5% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
74.55%
+11.7% YoY
-1.0% QoQ
|
-2.09% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
21.38%
+8.6% YoY
+3.9% QoQ
|
-0.64% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.25%
+83.5% YoY
+328.2% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
16.81%
+1.6% YoY
+1.2% QoQ
|
+0.98% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.05%
+6.3% YoY
-75.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.